Both services report your rent to the credit bureaus. Here’s the short answer:
This comparison is written by RentReporters, using information from Rental Kharma’s website, checked October 10, 2026.
| Feature | RentReporters | Rental Kharma |
|---|---|---|
| Credit bureaus | Equifax, Experian and TransUnion | TransUnion and Equifax |
| Past rent | Up to 2 years on your current lease included; earlier leases $50 each, up to 4 years total | Up to 2 years at your current address |
| How rent is verified | With your landlord or property manager, or through the bank account you pay rent from, where you can also flag the payment yourself (free, optional) | With your landlord or property manager |
| Faster option | VIP: past rent in 3 to 5 days, $25, free with annual | Expedited reporting, $25 |
| Money-back guarantee | 7 days | 90 days |
| Setup | $94.95 one time, which covers verifying your landlord and up to 2 years of past rent | $75 one time |
| Monthly | $10.95, or $8.75 a month billed annually ($105/yr) | $8.95 |
Lenders don’t all check the same bureau. If a lender pulls your Experian report, rent reported only to TransUnion and Equifax isn’t there to help. With RentReporters, it’s on all three. That matters more now that mortgage scores can count rent.
Moved in the last few years? We can add rent from earlier leases, up to 4 years in total. Rental Kharma reports rent at your current address.
We start with your landlord. If you connect your bank, we look for your rent there too, and you can flag the payment yourself anytime. Connecting a bank is always optional.
A free TransUnion score every month in your personal dashboard, so you can track your progress anytime.
Rental Kharma gives you longer to ask for a refund than we do.
Rental Kharma also reports utility bills and offers one-on-one credit mentoring.
Does Rental Kharma report to Experian?
No. Rental Kharma reports to TransUnion and Equifax. RentReporters reports to Equifax, Experian and TransUnion.
How much does Rental Kharma cost?
Its website lists $75 to report past rent at your current rental, then $8.95 a month. Adding a spouse or roommate is $25 plus $5 a month. We checked these prices on October 10, 2026, so see rentalkharma.com for current pricing.
What does the RentReporters setup fee cover?
Your one-time $94.95 setup fee covers the work we do up front: making sure your landlord is real and connected to your rental, confirming your rent, and adding up to 2 years of past rent from your current lease. After that, it’s $10.95 a month, or $8.75 a month billed annually.
Do I have to connect my bank account to use RentReporters?
No. We confirm your rent with your landlord or property manager. If you’d like, free RentCheck connects the bank account you pay rent from, and you can flag your rent payment yourself.
It takes a few minutes to enroll, and our money-back guarantee has you covered if you change your mind.
Rental Kharma details from rentalkharma.com (rent reporting, FAQ and compare pages), checked October 10, 2026.
