RentReporters.com Terms and Conditions of Membership

Membership Agreement:

All applicants must agree to and accept the terms and conditions BEFORE the application and payment will be accepted into our system. Read this Agreement and retain it for your records.

Application, Processing, and Servicing Fee/Cancellation and Refunds:

Your membership may be cancelled at any time by logging into your account and following the appropriate directions. All fees are non-refundable, unless you cancel your membership within five (5) days of your initial signup. If you do cancel within five (5) days of your initial sign-up you will receive your full fee refund minus a $15 account cancellation and refund-processing fee. You agree to pay any accrued, unbilled charges to your account through the date of cancellation at the time of cancellation, so long as you have not cancelled within five days of your initial signup or any renewal. If you have any questions please email the Customer Support Desk. Once we have set up your account, and after (5) days of enrollment, you can cancel your account at any time. However, we are unable to refund any fees paid for the service. Remember:

The longer you use the service the more you benefit.
The longer you have rented the more you benefit.
If you move and it has been sooner than three months from the date your payment method was billed, RentReporters.com will allow you to change the address we verify as part of our membership. If you (member) changes the reporting account after three months from the initial date the payment method was charged to set up your account, you will have the option of creating a new verification address for a fee of $30.00. If you do not choose to create a new account and select to cancel your membership, no refund will be issued.
Once a credit item appears on your report it will stay there for 7 years. So once you report your rent, and it shows on your report, you will benefit for up to 7 years.
If you pay your rent more than 30 days late, it will be reported as a late payment on your credit report.
When you start reporting a rental account through RentReporters.com you will have the option to have the data reported from the beginning date you began renting at the location. FYI 35% of a consumer's credit score is determined by the 24 months of recent history.
Reporting your rent does not guarantee you a higher credit score. Many factors affect your credit score, although reporting your rent does increase the amount of accurate information about you on your credit report.
It takes an average of 20 business days for RentReporters.com to verify your account information and an additional 30-60 business days for RentReports.com to track your account for validity, process the payment patterns, verify and convert the data to an industry standard format for upload. Based on the bureaus data reporting policies, the data can be uploaded to the live subscriber database for instant access by you, or the data can be held for screening by the bureau, than posted live. So, it could take anywhere from 20-160 days for your rental account to show on your credit report.
Your account might show up on one or many of the major bureau reports.
We will contact you if we have any problem verifying your account.

Refund Processing:

All fees are non-refundable unless you cancel your membership within five (5) days of your initial signup. If you do cancel within five (5) days of your initial sign-up, you will receive your full fee refund minus a $15 account cancellation and refund-processing fee. You agree to pay any accrued, unbilled charges to your account through the date of cancellation at the time of cancellation, so long as you have not cancelled within five days of your initial signup or any renewal. Once initiated, the RentReporters.com automated process of collecting and reporting rental payment data cannot be stopped immediately. In the case of monthly memberships, upon cancellation, RentReporters.com will suspend billing of the monthly fee effective in the month following cancellation and the member will no longer be obligated for payment of the monthly fee.

Refunds are made by check and mailed to the address on your application. Please allow up to sixty (60) days for any qualifying refund to be received.

Monthly Fees:

You will be billed a monthly fee of $5.95 if you have selected to utilize the RentReporters.com monthly service payment option ($39.95 initially and $5.95/month.). The monthly fee will be deducted from the payment method used when establishing the account. The fee will be collected on the anniversary date in the following months after the establishment of your account. Should your payment method on file decline the transaction, RentReports.com will attempt another transaction every 5 days for 15 days. During which time you will receive emails to the email on file to resolve or edit the payment method on file. If RentReporters.com does not receive a valid payment from your account within 15 days of the first attempt, RentReporters.com will suspend the verification and reporting of your account until the situation is resolved.

Fraud Resolution:

We cooperate completely with all law enforcement agencies in the pursuit of fraud, with regard to the purchase and use of our products. If you believe your payment method was fraudulently charged for the purchase price of our product, or the monthly payments we will make every effort to aid in a resolution. Before we can take any action, please submit a copy of the official report filed with your local Police or law enforcement agency detailing the suspected fraudulent act to our Customer Support Desk. Please also include the portion of your account statement showing the date and amount of the suspected fraudulent transaction. Please allow RentReporters.com 15 days for resolution after we receive the report and statement.

Payment Agreement:

I agree to pay $89.95 "annual plan" or $39.95 initially and $5.95 monthly "monthly plan" to initiate and establish a RentReporters.com Rental Payment Reporting Services Membership.
I understand that RentReporters.com will verify, store in a secure data warehouse, data mine, then convert my rental payment data into an acceptable data format for upload into the bureau's reporting database. I understand that it is entirely up to the bureaus to include the verified reported data of my account and my personal information into their national reporting databases. If a problem occurs verifying my account. I understand RentReporters.com will contact me at the email I provided.
I understand that the bureau will receive my accurate rental account data.
I authorize RentReporters.com to charge the annual or monthly plan service fee as selected by me to cover the yearly cost of ongoing verification and reporting of my account to the bureaus. I agree that the authorization of a payment plan will include the setup of my new account, an initial verification of the information supplied, and 11 months of continuing verification and ongoing service. At the end of the annual plan membership, I will be able to renew my membership another year for a set fee of $49.95.
I authorize RentReporters.com to report my monthly rent payments to the credit bureau. (Please note that your bank and credit card statements will show the transaction as a debit from RentReporters.com.)
I agree to allow RentReporters.com to send emails for any payment or account issue.
I agree to allow RentReporters.com to communicate with my landlord and allow my landlord to provide RentReporters.com with my accurate rental information needed to service my account.

TERMS & CONDITIONS OF USE AND MEMBERSHIP AGREEMENT

Important: Please read thoroughly before submitting your membership request.

RentReporters.com specializes in the servicing of rental accounts and the providing of rental data and other transaction information to one, some, or all of the major credit bureaus on behalf of renters/residents/tenants/landlords/property management companies and others. Cross promotion with various financial institutions and e-partners may provide some members with access to credit cards, auto loans, auto leases, mortgages, student loans and other comprehensive loan programs. However, RentReporters.com cannot and does not promise that you will obtain any new credit, such as a credit card, auto loan, auto lease, mortgage, student loan or other loan program as a result of RentReporters.com services. While we feel that you are more likely to obtain such credit if we are successful in increasing the worthiness of your credit profile through the addition of rental payments, and through our efforts to report your accurate and on-time payments. The ultimate credit decision remains with the lender or credit grantor, and we cannot control or do we aid in that process. Your credit profile will improve because the information on you will be more complete and accurate. However, profile improvement does not guarantee a higher credit score, since your credit score is dependent on numerous variables that are outside of the control of RentReporters.com. RentReporters.com encourages you to be responsible with your credit in order to maintain and increase your credit profile and credit worthiness. Responsible steps include:

Paying any and all bills on time
Not applying for more credit than you need, and not exceeding a healthy debt/income ratio.
Reporting your rent
Avoiding collections, bankruptcy, and debt consolidation if possible.
Not co-signing on loans, or lines of credit for others if it might put you at risk.

RentReporters.com Current Program:

Members pay a one-time credit verification, screenings, upload, tracking, reporting fee which includes RentReporters.com servicing, submitting and storing your rental performance for the bureaus. Should you switch your rental location or decide to cancel the membership after RentReporters.com has started reporting on your behalf you are no longer eligible for a refund. Should you switch landlords or units, you may redirect your account for a $30.00 fee for the remainder of the current year you have paid for.

Estimate of total charges for members: $89.95 for an annual plan or $105.40 ($39.95 initially and $5.95 monthly) for a year of service under the monthly plan.

Members are charged a one-time application, account creation, verification, processing and servicing fee. Should the member upgrade the service, change plans, change rental location, opt for previous landlord report reporting or other, report the previous history of the account. You will be informed of additional charges for any ancillary service and then will be charged accordingly. You can always cancel your membership, but all fees earned prior to such cancellation will be due and payable to RentReporters.com according to this agreement.

RentReporters.com Member's Access to Partners:

Members will also have the ability to participate with partners programs on a voluntary basis. Such involvement or participation is completely voluntary for a member and they will be notified and charged according to their agreement with the Partner.

Your Credit Report:

By joining RentReporters.com you authorize RentReporters.com to verify your rent with the proper authorities and understand that after RentReporters.com is able to verify your information, your rental data will be provided to the credit bureau to be added to your Credit Report within 20-160 days from initial account creation.

Member agrees to provide RentReporters.com necessary personal information as required by RentReporters.com, credit-reporting agencies, the Credit Bureaus, and in requesting verification of positive or derogatory credit information from landlord of the member. PLEASE UNDERSTAND THAT NO ONE, INCLUDING RENTREPORTERS.COM, CAN ADD Unverified, false, or misleading information to your CONSUMER CREDIT PROFILE. INFORMATION CAN BE REMOVED FROM A PERSON'S CREDIT PROFILE ONLY IF THE CREDIT HISTORY IS INACCURATE OR OBSOLETE AND IS NOT CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAU. RentReporters.com WILL SEEK TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS IF AND TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT.

Permission/Authorization

RentReporters.com will verify and certify the rental information provided by the member. If RentReporters.com has a problem verifying your information you will be contacted. You may be contacted to verify your participation and that indeed you have given permission to RentReporters.com to verify your rent. You agree that promptly upon receipt of any correspondence related to the RentReporters.com service, you will provide permission for RentReporters.com to access and report such information on your behalf, you will also forward a copy of such correspondence to RentReporters.com.

Should you deny permission for RentReporters.com to service you, or fail to provide the required information and communication for RentReporters.com to service you, you will have forfeited the right to be serviced and will not receive any refund.

Your RentReporters.com membership is active as long as your account is in good standing with RentReporters.com. You can always cancel your membership at any time by logging into your account and following the appropriate directions.

Member empowers RentReporters.com, its employees, agents, subcontractors and assignees to perform or engage in any act on behalf of member related to including, without limitation, the right to verify the members rent and information.

The specific acts necessary to accomplish the purpose of this agreement shall be at the sole discretion of RentReporters.com professional judgment. The specific acts shall require periodic verification of member's rent.

You agree that when you receive any RentReporters.com email advising you that your account needs viewing, updating or additional information, you will review your account and provide any additional data or assistance necessary.

Further, you shall indemnify RentReporters.com for any costs, losses, damages or liability for any violation by you of this agreement, including without limitation if you instruct us to verify or add information, which you know to be inaccurate, false or outdated.

DISCLOSURES PERTAINING TO ALL MEMBERSHIP PLANS

Billing

Your membership fee and any elective fees or charges will be charged to the credit card or bank card or account that you specified. Payment for the RentReporters.com services provided to you is made by automatic credit card, debit card debit, or by "e-checks" ACH. You hereby authorize RentReporters.com authorized payment processing agent to transact such payments on your behalf.

In the event RentReporters.com discovers that services were provided but not billed, RentReporters.com shall have the right to charge such fees at any time after such discovery. RentReporters.com will attempt to notify you about any pending unbilled charge before processing the charge. This will be by provided by email or telephone contact if available. If any form of payment you supply is not able to be collected for any reason, RentReporters.com may elect to cancel the membership application and close the account to further service. From time to time, RentReporters.com may extend special offers that may waive certain fees

Charge Backs:

You agree not to report as unauthorized any charge by RentReporters, for any services for which you do not have good reason to believe were, in fact, not authorized by you or someone acting on your behalf or with your permission. If you do believe that a charge was not authorized by you or someone acting on your behalf or with your permission, prior to your initiating any charge back request, at least five business days before initiating such charge back, you will send us written notification containing your name, your RentReporters.com user ID and a specific statement that you intend to initiate a charge back, and the reason you intend to initiate the charge back.

We take our members and our service very seriously and we hope that if you are ever dissatisfied you will give us the chance to attempt to rectify the situation. You may contact someone about an issue/concern/complaint at our Customer Help Desk.

Hold Harmless:

Any dispute arising hereunder or related to services provided by RentReporters, shall be governed by California law and resolved by binding arbitration under the commercial arbitration rules of the American Arbitration Association. To the extent permitted by applicable law, you hereby waive any right to, and agree not to, join in any class action against RentReporters.com, its officers, representatives, vendors, or owners. To the extent permitted by applicable law, any liability of RentReporters.com, hereunder shall be limited to the actual membership fees and charges paid by the member. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, the remainder of this agreement shall continue in effect. THE PARTIES HEREBY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES PROVIDED HEREUNDER, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE. THE PARTIES AGREE THAT ANY OF THEM MAY FILE A COPY OF THIS PARAGRAPH WITH ANY COURT AS WRITTEN EVIDENCE OF THE KNOWING, VOLUNTARY AND BARGAINED-FOR AGREEMENT AMONG THE PARTIES IRREVOCABLY TO WAIVE TRIAL BY JURY AND THAT ANY PROCEEDING WHATSOEVER BETWEEN THEM RELATING TO THIS AGREEMENT OR ANY OF THE CONTEMPLATED SERVICES DESCRIBED HEREIN OR ON OUR WEBSITE SHALL INSTEAD BE RESOLVED BY BINDING ARBITRATION. BY AGREEING TO THESE TERMS AND CLICKING THE "I AGREE" BUTTON ABOVE, YOU ACKNOWLEDGE THAT THIS AGREEMENT TO ARBITRATE RESULTS IN WAIVER OF YOUR RIGHT TO A JURY TRIAL FOR ANY DISPUTE OR ANY OTHER CLAIM.

You hereby agree to indemnify, defend and hold RentReporters.com and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants. You shall cooperate as fully as reasonably required in the defense of any claim. RentReporters.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of RentReporters.com.

This agreement shall be subject to and construed in accordance with the laws of the state of California, excluding its conflict of law principals. If you need to serve us with process, the name and address of our agent for service of process is: Process Agent, RentReporters.com, PO BOX 2637, Pasadena, CA 91102. Any dispute arising hereunder or related to services provided by RentReporters.com shall be governed by the laws of the State of California, and you and RentReporters.com agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Los Angeles, California. The failure of RentReporters.com to exercise or enforce any right or provision of law does not constitute a waiver of such right or provision. To the extent permitted by applicable law, you hereby waive any right to, and agree not to, join in any class action against RentReporters.com LLC., its officers, representatives, vendors, or owners. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, the remainder of this agreement shall continue in effect. Notwithstanding any other provision in this or any other agreement between the parties, the provisions of this agreement shall prevail in the event of any conflict, and all non-conflicting terms and conditions contained in any other such agreement are incorporated herein by this reference. RentReporters.com AND ITS AFFILIATES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN RentReporters.com WEBSITES FOR ANY PURPOSE. ALL SUCH INFORMATION IS PROVIDED "AS IS" WITHOUT A WARRANTY OF ANY KIND. RentReporters.com AND ITS AFFILIATES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL RentReporters.com OR ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES (OR, WITH RESPECT TO USE OF INFORMATION CONTAINED ON RentReporters.com OR ITS AFFILIATE'S WEBSITES, ANY DAMAGES WHATSOEVER), INCLUDING THOSE RESULTING FROM DELAY, INACCURATE INFORMATION OR DATA, LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTUOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION CONTAINED IN RentReporters.com OR ITS AFFILIATES WEBSITES, OR FROM RentReporters.com PROVIDING THE SERVICES HEREUNDER.

You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

Final Digital Signature: The Federal E-Sign Act (HR-1714):

The E-Sign Act grants electronic signatures and documents equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you are certifying that your digital signature is the equivalent of your handwritten signature. Furthermore, you agree that you have read all of the agreement and are agreeing to and signing each section of this Membership Agreement with your digital signature. You further agree that you understand the agreement and have read "Your Rights as a Consumer". Your "Internet Protocol" address will be used, tracked, and kept, as the physical representation of your desire to be serviced by RentReporters.com and your agreement to these terms and our privacy policy.

The term of this agreement is for one year from the date of sign-up, and shall terminate in 12 months. You will be notified and given the opportunity to continue RentReporters.com service for another year at additional cost. RentReporters.com is not liable for any changes in your credit profile, which have an adverse affect on your credit rating. RentReporters.com is not liable for the actions of any companies in partnership with, or which provide services at the request of, RentReporters.com.

You are welcome to contact us at anytime with any questions or concerns:

Mail:

RentReporters.com
PO Box 2637
Pasadena, CA 91102

Terms and Conditions of Membership updated as of 09/01/2011