Verifying a Rental Kharma Tradeline
A quick reference for confirming a Rental Kharma-reported rent or utility tradeline during underwriting.
Where it’s reported
Rent tradelines report to TransUnion and Equifax. Utility tradelines report to TransUnion only.
How the payment was verified
Verified directly with the member’s landlord or property manager, or through an approved resident payment portal — never a self-reported figure.
Common questions
Yes. Rental Kharma reports under the Fair Credit Reporting Act (FCRA), the same framework governing any other furnished tradeline.
[Describe the actual process for an underwriter to request written verification of a specific file — who to contact, what documentation is provided, and typical turnaround time.]
Classic FICO does not read rent or utility tradelines. Whether a given scoring model or lender weighs this history is up to that lender’s own underwriting model.
support@rentalkharma.com or 931-500-7720 — Monday–Friday, 8:00 AM–6:00 PM CST.