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About Rent & Utility Reporting

We teamed up with CreditPop to provide the opportunity to connect your monthly rent payments to your Equifax and TransUnion credit reports as new tradelines. Also, if connected, you will be able to connect your monthly utility payments to your Equifax credit report only. The data on these new tradelines may have an impact your credit scores.

The Rent & Utility Reporting feature may not appear for you, as it is currently being piloted to only a handful of members at this time. Review the CreditPop FAQ here.

Jump-to a specific section of this article: 

What is Rent & Utility reporting and how does this work on Credit Karma?
How can Rent & Utility Reporting affect my credit scores?
How do I begin the Rent & Utility reporting process?
My score didn’t change the way I wanted it to. How can I opt out from this?
What if CreditPop can't find my payment?
Why does my tradeline say RentTrack instead of CreditPop?
Can I report only my utilities?
I submitted my information but was told I was ineligible. Why?
Who do I contact if I see incorrect information or errors on my Rent and/or Utility Reports?

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What is Rent & Utility Reporting and how does this work on Credit Karma?

If you pay regular monthly bills for rent, these monthly payments can be added to your Equifax and TransUnion credit reports. Credit Karma has teamed up with CreditPop, a RentTrack company, to provide you with a free option for the first 12 months to add your rent payments to your Equifax and TransUnion reports. This free offer through Credit Karma is currently only available to a handful of Credit Karma members at this time and it’s free for the first 12 months. After that, you will have a choice to continue to pay for the CreditPop service yourself through CreditPop.

Utility payments include electric, gas, water, and wireless cell phone payments. These can only be added after you’ve successfully connected your rent payments. If connected, utility payments may only be added to your Equifax credit report at this time.

Adding these payments to your credit reports may help your credit if those payments are made and reported as on-time payments. This can be especially helpful for someone looking to build out their credit history or credit scores.

How can Rent & Utility Reporting affect my credit scores?

Connecting your rent payment records to your credit reports may help your credit scores if you make consistent monthly payments on-time. If connected, utility payments will only be added to your Equifax credit report at this time.

Keep in mind that your scores may initially decrease when you first connect your payments to your credit.  If this happens, don’t worry! This is because they’ve been added as new tradelines to your reports and should have less of an impact on your credit over time. 

You can learn more about your credit scores in this article: What factors affect your credit scores?

How do I begin the Rent & Utility reporting process?

If you sign up for rent reporting, you may need to provide some personal information about yourself and contact information for your landlord. 

Utility payments can only be added after you’ve successfully connected your rent payments. If connected, utility payments will only be added to your Equifax credit report at this time.

My scores didn’t change the way I wanted it to. How can I opt out from this?

If you connected your payments to your credit but your scores decreased or didn’t change in the way you hoped it would, don’t worry! Remember that your credit scores may drop initially when a new tradeline is added to your reports. This may have less impact on your scores over time. 

Please note that if you’re signed up in our pilot and unenroll, you won’t be able to re-join the Rent & Utility Reporting pilot. You can unenroll in Rent & Utility Reporting by contacting CreditPop at ask@creditpop.com and you can ask them to remove the tradeline from your credit reports. Removing the tradeline from your reports shouldn’t have a negative impact on your credit scores.

Once CreditPop has processed your request,it may take 30 days or more  for your credit reports to reflect the removal. Once the tradelines have been removed, your credit scores may adjust over time.

 

What if CreditPop can’t find my payment?

Using one consistent payment method every month may make it easier for CreditPop to identify and verify your payments. 

If you frequently switch your payment method or your bill varies month by month, CreditPop may have trouble identifying and verifying your payments. If CreditPop is unable to find your payment, you should reach out to the CreditPop team at ask@creditpop.com.

Why does my tradeline say RentTrack instead of CreditPop?

RentTrack is the parent company of CreditPop. You can learn more about the relationship between the two companies on the CreditPop website

Can I report only my utilities?

At this time, utility payments may only be added if you have enabled rent reporting as well.If connected, utility payments will only be added to your Equifax credit report at this time.

I submitted my information but was told I was ineligible. Why?

Unfortunately, some members will not be able to enroll in this program after submitting their information. This may be due to any factor of reasons, including:

  • Your name isn’t on your lease or you are a subletter
  • You aren’t able to verify your address with a legal document
  • Your bank or credit union isn’t compatible with CreditPop’s system

Who do I contact if I see incorrect information or errors on my Rent and/or Utility tradelines on my credit reports?

If you’ve connected your rent and/or utility payments to your credit reports and are seeing any errors, you can reach out to the CreditPop team at ask@creditpop.com.

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