Build good credit with your rent & utilities
Turn your bills into credit-building power. Rent and utilities help with mortgage approval.
Report all your past utility payments
- Phone, electric, gas & water
- Turn utility payments into credit history
- No bank account connection required
- Great for renters and homeowners
Report all of your current rent payments
- Rent from family, landlords or property managers
- Helps with mortgage approvals
- No bank account connection required
- Updates on TransUnion & Equifax in days
Helping 125,000+ families build better credit.
Since 2012 · based on members who added 2 years of payment history from just one bill reported.
A full interactive score-estimator tool lives on the How It Works page.
Unlimited 1-on-1 credit mentoring, personally trained by our founder
Get unlimited 1-on-1 access to expert mentors personally trained by Cullen Canazares, founder of Rental Kharma — and in many cases, Cullen mentors members directly. Finally understand credit, for free, in our Driver’s Ed for Credit community.
Schedule Your 1-on-1 Mentoring- Declines because your bills don’t count
- Predatory lenders are your only choice
- Stuck in a financial trap
- Nowhere to turn for good direction
- Constant stress
- Lenders finally see your on-time payments
- Approvals at fair credit-union rates
- Unlimited 1-on-1 access to expert mentors
- Free education in our Driver’s Ed for Credit community
- No more credit stress
Compare the value
Rental Kharma — the credit time machine
- Add ALL past payments to your report
- Results in 3–10 days
- 1-on-1 credit mentoring
- 90-day money-back guarantee
- Driver’s Ed for Credit education
Credit Repair Apps
- A brand new account drops your credit age the day you open it
- The new account penalty costs 15–30 points
- Builds nothing for months, until on-time payments accumulate
Authorized User Tradelines
- $500–1,500 set-up fee
- Temporary score increase
- Not for long-term credit building
Enrollment options
Rent Reporting — TransUnion & Equifax
Utility Reporting — TransUnion
$25 enrollment per utility bill · cancel anytime
Enroll in Utility ReportingCommon questions
Yes — your membership comes with a 90-day money-back guarantee. If we can’t get your accounts reported within that window, we refund your enrollment fee and any monthly membership fees paid.
If a payment becomes late, we close the reporting account rather than report negative payment history to the bureaus.
Yes — we verify your rent directly with your landlord or property manager, or through an approved resident payment portal. If we can’t verify your rent, we refund you rather than charge you for enrollment we can’t complete.