Yes you can! As long as you have a written agreement with the primary landlord / management company or owner of the home. We are unable to report any rent payments if you do not have a written agreement with the landlord or management company allowing you to sublease. 

We count on you and your tenant to keep us informed so that we can ensure accurate reporting to the credit bureaus. If we receive notice from your tenant that they are no longer renting from you, we will reach out to you for confirmation and then close out their account.

No! TransUnion & Equifax only allows an address to be reported once on the credit report. If you have another company already reporting the address you want to enroll with us, we will not be able to report it for you. Please note that if you do enroll and it turns out you have another company reporting the same address, we will be unable to issue any refunds.

We report to TransUnion & Equifax.  If you are an Apartment Complex, or Property Management Company, we can also report to Experian.  Experian does require an additional vetting process.

Generally our customers always see some sort of score increase. Some points to keep in mind:

1. Are they looking at the correct report? All of our rental accounts are reported directly to TransUnion & Equifax. Please make sure they are looking at their TransUnion or Equifax report. If they are not sure, TransUnion & Equifax allow them one free credit report per week. They can use this link to access it https://www.transunion.com/annual-credit-report. Before they use their one free TransUnion & Equifax report, please wait up to 10 business days after we submit their file to TransUnion & Equifax. While in most cases, TransUnion & Equifax will have their new account active in 72 business hours, sometimes they do require a bit more timeIf they see their new account, but no score increase it is possible that the 3rd party credit report provider they are using has updated their report, but not their score. Sometimes it will take them an additional week or so to fully update their credit report.

1. Did they or you just add ongoing reporting? If so, it may take a bit longer to see a score increase since the credit bureau needs to see continued on time monthly payments. If they have lived at your property longer, you should consider adding the past reporting option! This will put their past payments on their credit report, helping to get them a quicker score increase.

1. Yes – Their account will show closed if you only enroll them for past 12 or 24 month reporting. This still has the benefit of creating an immediate great past history for your tenant and building their credit profile. To show the account as open, we are required to verify the tenants ongoing monthly payments with you the landlord. Most of our renters experience the best increase in their scores when we report past history along with current ongoing reporting!

We report twice a month to TransUnion and Equifax on the 5th and 15th. After reporting, TransUnion & Equifax typically have the new account active within 5-7 business days. If your tenant is using a 3rd party Credit Report Provider such as Credit Karma, Free Credit Report, or Credit Sesame to view their report, they will need to be mindful of how often the report provider updates their database. Some of these companies only update once a month, while others update once a week. In addition, some of these companies will update and show their new rental account, but will not update the score.

If your tenant does see the new account appearing by the 15 th of the month (for reporting from the 5th) or the 25th of the month (for reporting from the 15th ). Please have them follow these steps:

1. Contact the 3rd Party Credit Report Service they are using and ask how often they update their information and make sure they are also including data from TransUnion & Equifax.
2. If it appears the 3rd Party Credit Report Service has updated and should be showing their new account, try pulling the credit report directly from TransUnion or Equifax using the following links: https://www.transunion.com/annual-credit-report. There should not be any charge for this if this is the first time, they have pulled their report directly from TransUnion or Equifax.
3. If their new account is not appearing on their  TransUnion or Equifax Credit Report (that they pulled from the above link), contact our office at 844.950.7368 or submit a copy of your credit report using this secure link Secure Document Upload.
4. We will immediately open a help ticket with TransUnion or Equifax and they will require a copy of their credit report that they downloaded from their site. We typically hear back from them with a resolution within 3 business days!