Pricing
Priced like a records service.
Because that’s what we are.
Flat fees, published in full, with no pricing tied to results. The value shows up in a transaction we’re not party to — your mortgage — not in our invoice.
What happens if you pay late
State the policy plainly: do you report only positive history, or negatives too? Either answer is defensible. Burying it is not.
What happens if you cancel
Does the reported history stay on the file after someone stops paying us? This is the most suspicious-feeling unknown in the category — answer it here, in one sentence.
What we never charge for
Nothing here is priced on results. There’s no premium tier, no success fee, and no charge that changes based on what happens to your score.
Two ways to buy, and one honest recommendation.
The unit that matters is accounts on your report, not services purchased. A single rent tradeline is sometimes enough. Usually it isn’t.
Placeholder figures. The prices below are drawn from the positioning discussion, not from your live price book. Replace every number, and have counsel review the guarantee wording before this ships.
Rent only
For people who need one tradeline and know it.
then $8/month to keep it reporting
- Your rent, reported to all three bureaus
- Past payment history attached
- Cancel any time
One account. Roughly what a rent-only service charges.
Complete file
For people getting ready to apply for a mortgage.
then $8/month to keep it reporting
- Rent plus up to four utility and telecom accounts
- All accounts to all three bureaus
- Years of past payments attached to each
- Lender explainer you can forward to an underwriter
- Setup fee refunded if we can’t deliver
Five accounts — $36 each, against $50 for one.
Partner & bulk
For loan officers, landlords, employers and credit unions.
volume terms, billed to the organization
- Enroll declined applicants from your pipeline
- Shared reporting on file progress
- Whatever the real partner terms are
Try it on five files you’ve already written off.
What you’re actually comparing.
We’re more expensive than a rent-only service, and we should be. Here’s the difference, line by line, so you can decide whether it’s worth it to you. Verify each right-hand column against what competitors actually deliver — buy a competitor’s product and document what shows up.
| Rental Kharma | Typical rent-reporting service | |
|---|---|---|
| Accounts reported | Rent plus up to four utility and telecom accounts | Rent only |
| Bureaus | All three | Often one or two |
| Past history attached | Yes — the years you’ve already paid | Often starts from today |
| Effect on average account age | Raises it — the accounts are years old | Can lower it — a brand-new account with one payment |
| Time to appear | About a week | Confirm |
| If we don’t deliver | Setup fee refunded | Typically no remedy |
| Years furnishing to bureaus | 13 | Usually five or fewer |
If a single rent tradeline is enough to get you where you need to go, buy theirs. It’s a good deal. It’s just usually not enough.
We guarantee the deliverable, never the outcome.
If we don’t get your accounts reported to all three bureaus within X days, we refund the setup fee. No conditions, no forms.
We will never guarantee a credit score. Nobody honest can — the score belongs to the bureaus and the model, not to us. What we can promise is the thing we control: verified accounts, on your file, where lenders look. Have counsel review this wording before publishing; guarantee language is the specific thing that draws regulatory attention in this category.
Why the price looks low.
People sometimes read a low price as a warning sign. Here’s the arithmetic behind it. Run these figures against current rate sheets and present them conditionally — they are illustrations, not quotes.
$180 once
What a complete file costs here, plus $8 a month to keep it current.
~$600/mo
Illustrative difference in payment between a weaker and a stronger credit profile on a $300,000 mortgage.
$99/mo × 6
What a typical credit repair engagement costs to dispute items we don’t touch and can’t remove.
We charge for a data service. The money shows up in your mortgage, not in our invoice. That’s the whole reason the number is small.
Still deciding?
Read who this doesn’t work for before you read who it does. It’s the faster way to find out whether we’re worth your money.