Customer experiences
Trustpilot company reviews — independent customer feedback
4.2 / 5
From 1,169 reviews · Checked October 8, 2026 (11:50 p.m. ET); October 9 UTC
This is a dated company-level snapshot, not a live score or rating of a particular plan. Counts and scores change; follow the link for current figures.
Read customer reviews on TrustpilotWhat some customers appreciate
Some customers appreciate personal onboarding, help verifying unusual rent arrangements and responsive support. Individual reports of credit improvement do not establish typical outcomes.
Common concerns
Other reviewers describe delays in reporting updates, billing or cancellation difficulties, support interactions and disappointed score expectations. Very few recent reviews were visible in the dated snapshot; many experiences are historical.
These are individual accounts, not independently verified outcomes or representative statistics. Credit changes depend on the full credit profile; no results are guaranteed. Trustpilot does not sponsor or endorse this All In One Credit comparison.
Quick Facts
- Account type
- Rent reporting
- Starting price
- $8.95/month + $75 setup
- Monthly cost
- $8.95/month (individual)
- Setup fee
- $75 one-time
- Reports to
- TransUnion, Equifax
- Past rent
- Verified past rental history at the current rental may be included
- Verification
- Rental history and ongoing payments must be verified
- Credit check
- Not applicable — not a lending application
- Spouse / roommate
- $25 one-time + $5/month
- Contract
- No contract — cancel anytime
- Cancellation fees
- None
More than rent reporting
Provider terms reviewed October 10, 2026
Rental Kharma offers separate reporting for qualifying rental and utility payment history, with real-person assistance. These services have different fees and credit-bureau coverage.
Human-powered assistance
Rental Kharma highlights a human-powered verification process, real-person support, one-on-one credit mentoring and personalized action plans. It's not just a self-serve app.
Rent + qualifying bills
Eligible cell phone, electricity, gas and water accounts may be reported through a separate utility service. Rent: TransUnion and Equifax. Qualifying utilities: TransUnion only.Utility service is not automatically included in the rent-reporting price.
Potentially 10–20+ years of history
Eligible rent may be reported back to the verified move-in date at your current residence, not just the past 12 or 24 months. Rental Kharma cites a case exceeding 21 years. Eligible utility history may extend to the verified account-opening date.
Historical reporting depends on verified address, account and payment information and credit-bureau processing. A lease alone does not guarantee acceptance of a particular account date or a credit-score increase. Some late or missed payments may also be reported.
Plans & pricing
Compare this provider's plans side by side. Verified 2026-10-10; confirm current terms with the provider before enrolling.
Reports to bureaus
Rent: TransUnion + Equifax; eligible utility bills: TransUnion only
The two reporting services are separate; phone, electric, gas and water accounts do not report to Equifax merely because rent does.
Reports & scores from bureaus
Not a credit-score monitoring subscription
Reporting payment history is different from providing ongoing bureau reports or scores.
Rent reporting — one renter
$8.95/mo
Upfront: $75 enrollment
- Current-address rent reporting to TransUnion and Equifax
- Qualifying past rent back to the verified move-in date
- Human-assisted verification and 1-on-1 mentoring
- Monthly ongoing reporting after enrollment
- Requires qualifying current rental and landlord/owner verification
- Experian is not included in rent furnishing
- Late rent information can also be reported
Best fit: Renters with long, verifiable history at one current residence or rent paid outside ordinary banking channels.
Rent reporting — two renters
$13.95/mo
Upfront: $100 enrollment
- Separate eligible rent history for two people
- TransUnion and Equifax rental furnishing
- Qualifying historical rent at the current residence
- Extra cost adds another person, not another bureau
- Each renter's identity and rental history must qualify
Best fit: Two adults at a qualifying rental who both want their verified payments considered.
Separate utility reporting
$4.95/mo for 1 bill
Upfront: $25 setup per bill
- Eligible phone, electric, gas or water bills
- Reporting to TransUnion
- Qualifying past history back to verified account opening
- Separate enrollment from rent reporting
- Utility bills report to TransUnion only
- All accounts must qualify and be verified
Add-ons
2 utilities: $50 setup + $9.95/mo
3 utilities: $75 setup + $14.95/mo
4 utilities: $100 setup + $19.95/mo
Best fit: People with qualifying long-standing utility accounts who specifically benefit from TransUnion history.
You'll choose your exact plan on the provider's site.
Rent and utility programs use different enrollment options, fees and reporting bureaus. Verify the intended service and final price on Rental Kharma's site before enrolling.
Eligibility
- Verified current rental or eligible utility account
- Landlord/property-owner participation for rent
- Historical dates are subject to verification
- No guaranteed score change
Overview
Rental Kharma is a rent-reporting service that helps renters add verified rental-payment history to their credit files. The service currently reports rental information to TransUnion and Equifax. Enrollment includes a one-time setup fee, followed by monthly reporting. Rental Kharma verifies rental history and ongoing payments with the landlord, property manager, or another authorized source. Rental Kharma may report on-time, missed, or past-due rental-payment information in accordance with its reporting terms.
Who It May Be Best For
Best for renters who want verified rental-payment history reported to TransUnion and Equifax and are comfortable having their rental information verified.
Who May Want Another Option
Renters who need rent reported to all three major bureaus (including Experian) may want another option.
How It Works
After a one-time setup fee, Rental Kharma reports verified rental-payment history to TransUnion and Equifax. The setup fee includes reporting past rental history at your current rental after verification, followed by ongoing monthly rent reporting. A spouse or roommate can be added for a one-time fee plus a small monthly amount. Rental Kharma verifies rental history and ongoing payments with your landlord, property manager, or another authorized source. There is no long-term contract; monthly reporting may be canceled according to provider terms.
Pricing and Fees
One-time setup: $75 — includes reporting past rental history at your current rental, subject to Rental Kharma's verification and reporting requirements. Ongoing: $8.95/month for an individual; billing begins approximately 30 days after signup. Spouse/roommate: $25 one-time plus $5/month. Rental Kharma's current public pricing is structured as setup plus monthly reporting; no annual fee is published.
Credit Bureau Reporting
Rental Kharma's current rental-reporting Terms of Service state that it furnishes rental-payment information to TransUnion and Equifax. It does not currently report to all three major bureaus.
Eligibility
Renters with a current lease. No traditional credit application is required to enroll.
Historical Reporting
Past rental history at your current rental may be included after verification. The setup fee includes reporting past rental history at the renter's current rental, subject to Rental Kharma's verification and reporting requirements. A specific amount of history is not guaranteed unless the current provider terms verify it for that user.
Ongoing Reporting
Ongoing monthly rent payments are reported to TransUnion and Equifax after enrollment and verification.
Verification Process
Rental Kharma verifies rental information with the landlord, property manager, or other authorized source. For eligible family-member rentals, the property-owning family member must participate in verification. Rental history and ongoing payments must be verified.
Important Limitations
Rental Kharma reports to TransUnion and Equifax only, not Experian. A $75 setup fee applies. Rental information must be verified, and late or missed rental payments may also be reported. Additional cost applies for a spouse or roommate. Credit-score increases are not guaranteed.
Alternatives
For rent reporting to all three major bureaus, consider RentReporters or Boom.
Final Summary
Rental Kharma offers verified rent reporting to TransUnion and Equifax, with past-rent history available at your current rental after verification, a spouse/roommate option, and no long-term contract. Renters who need all-three-bureau reporting should consider an alternative.
Pros
- Reports rent to TransUnion and Equifax
- Past rental history may be added after verification
- Relatively low monthly reporting cost
- Spouse or roommate can be added
- No traditional credit application
Cons
- $75 upfront setup fee
- Does not currently report rent to all three major bureaus
- Rental information must be verified
- Late or missed rental payments may also be reported
- Additional cost for a spouse or roommate
Personalized credit plan
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