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About Rent & Utility Reporting

We teamed up with LevelCredit, formerly known as 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

.LevelCredit is a RentTrack company. 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 LevelCredit 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 scores didn’t change the way I wanted it to. How can I opt out from this?
Can I report past rent payments?
What if LevelCredit can’t find my payment?
Why does my tradeline say RentTrack?
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 tradelines on my credit 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 LevelCredit, formerly known as CreditPop, to provide you with a free option for the first 12 months to add your rent payments to your Equifax and TransUnion reports. 

LevelCredit cannot report cash payments at this time. 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.

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 LevelCredit service yourself through LevelCredit or have your rent payments become a closed tradeline in “paid satisfactory” status on your Equifax and TransUnion credit reports. If utility payments were connected, utility payments will also become closed tradelines on your Equifax credit reports. This can help maintain any increase associated with this reporting to your credit scores that occurred during the pilot but should no longer affect your scores beyond the 12-month pilot.

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 LevelCredit at ask@levelcredit.com, to 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 LevelCredit 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. 

Can I report past rent payments?

Yes! Using this feature, you have the option to include previous rent payments that you’ve made. 

However, past utility payments are not able to be reported at this time. 

What if LevelCredit can’t find my payment?

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

If you frequently switch your payment method or your bill varies month by month, LevelCredit may have trouble identifying and verifying your payments. If LevelCredit is unable to find your payment, they may notify you by email to login and match the correct payment. If you are unable to find or match your new payment, you should reach out to the LevelCredit team at ask@levelcredit.com.

Why does my tradeline say RentTrack?

LevelCredit’s parent company is RentTrack, so your tradeline may appear as RentTrack on your Equifax and TransUnion credit reports. You can learn more about their company on the LevelCredit website. 

You may have previously seen this same promotional offer for Rent and/or Utility Reporting under LevelCredit’s former name, CreditPop. The company rebranded from CreditPop to LevelCredit in October 2019. This is the same offer with the same company, and RentTrack continues to be the parent company.

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 LevelCredit’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 payments to your credit reports and are seeing any errors, you should reach out to the LevelCredit team at ask@levelcredit.com.

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