How it works

Your record isn’t bad.
It’s incomplete.

If you’ve paid rent on time for four years, you’ve produced more payment evidence than someone with a small credit card. Only one of you got credit for it. We fix that by adding the record, not by arguing about it.

Two different businesses.

People often assume we’re a credit repair company. We’re not, and the difference isn’t tone or branding — it’s the mechanism, the regulatory posture, and what each one implies about you.

Credit repair

Subtracts.

Disputes items already on your report and asks a furnisher to concede they were wrong. The argument is that your record is inaccurate.

The furnisher can decline. It can take months. It often fails.

Rental Kharma

Adds.

Reports accurate payment history that was never collected in the first place. The argument is that your record is incomplete.

Nobody has to reconsider anything. We’re a furnisher reporting facts that were always true.

What actually happens.

Five stages, start to finish. Confirm each timing figure against current operations before this page goes live.

  1. 1

    You tell us what you pay

    Your address, your landlord or property manager, and which utility accounts are in your name. No credit pull, and no effect on your score to sign up.

    About X minutes

  2. 2

    We verify the payments independently

    We confirm each payment with the party that received it — your landlord, the utility, the payment processor — rather than taking your word for it. Verification is what makes the data furnishable, and it’s the step a lender will ask about if anyone ever does.

    Describe the actual verification methods here: landlord confirmation, bank transaction data, utility statements. Be specific — this paragraph is doing compliance work, not marketing work.

  3. 3

    We attach the history you’ve already built

    This is the part most services skip. A tradeline opened today with one payment on it can lower your average account age. A tradeline carrying the years you already paid is a different object entirely.

    Up to N months of past payments

  4. 4

    We furnish it to the bureaus

    Reported in Metro 2® format to name the bureaus explicitly — which ones, and confirm all three. Mortgage underwriting typically runs off a tri-merge and the middle score, so a tradeline that only reaches one bureau may not touch the score that decides your loan.

    Typically appears in about a week

  5. 5

    We keep it current

    Each month we report the payments you keep making. A stale tradeline loses value over time, so the record only keeps working for you — on an auto loan, a refinance, an insurance quote — while it stays up to date.

Why this is fast, and why that isn’t a red flag.

“Results in about a week” sounds like a claim you should distrust, because it’s the register credit repair advertises in. So here’s the reason it’s true.

Credit repair is slow because it’s adversarial. It asks a company to agree it made a mistake. That company can say no, and frequently does.

We’re fast because we’re not asking anyone to reconsider anything. We’re reporting payments that already happened, verified with the party that received them. The only delay is the bureaus’ normal update cycle.

Speed here isn’t a promise about your outcome. It’s a property of the mechanism — and it’s evidence the mechanism is honest.

What appears on your report.

We show you the artifact, not a before-and-after score screenshot. What lands on your file is verifiable, and it’s entirely within our control — a score is neither.

Accounts added by Rental Kharma Illustrative example — not a real consumer file
Example of the tradelines a complete file produces
Account Type Opened Reported to Payment history
Rent — Maple Court Apartments Rental Mar 2022 All three bureaus 48 of 48 on time
Electric — Regional Power Utility Mar 2022 All three bureaus 48 of 48 on time
Natural gas — City Gas Co. Utility Mar 2022 All three bureaus 48 of 48 on time
Water — Municipal Water Utility Jun 2023 All three bureaus 26 of 26 on time
Mobile phone — National Wireless Telecom Jan 2021 All three bureaus 62 of 62 on time

Replace with a redacted screenshot of a real reported tradeline once one is cleared for use. A file that gains several accounts at once, all from one furnisher, can look unusual to a manual underwriter even though every account is legitimate and years old — here’s the explainer you can hand your lender

Where this actually matters.

This section states the regulatory case. Verify every claim against primary sources and link to them directly — linking to a regulator is a move a fly-by-night operator won’t make.

Newer mortgage scoring models count rent

Federal housing regulators approved scoring models in 2026 that read rental and utility payment data consumers opt in to report. Classic FICO doesn’t capture rent at all. Cite the HUD and FHFA announcements, and state the rollout honestly: a growing set of lenders can see this — not every lender yet.

Thin files get something to be scored on

If you have little or no credit history, the problem usually isn’t bad behavior — it’s that nothing was ever recorded. Several years of on-time accounts changes what a model has to work with.

It keeps working after the mortgage

The record stays current for auto loans, refinancing and insurance. It isn’t a one-time event, and a tradeline that stops updating slowly stops helping.

Is this right for you?

Most companies in this neighborhood never tell anyone no. Here’s who we help and who we don’t, so you can decide before you pay us.

This tends to work well if…

  • You have no credit score, or a thin file with only one or two accounts.
  • You’ve paid rent and utilities on time for a year or more.
  • The accounts are in your name and you can document them.
  • You’re preparing for a mortgage and want the history counted before you apply.

This won’t do much if…

  • You have recent collections or charge-offs. Adding good history doesn’t offset them, and we can’t remove them.
  • You already have a thick file with several years of credit cards. Expect a modest effect at most.
  • Your rent or utilities are in someone else’s name.
  • You’ve been paying late. We report what happened, not what you’d like to have happened. State the late-payment policy exactly.

See what your payment history is worth.

No credit pull, and no effect on your score to find out.

Start reporting Read the FAQ