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 |
| Setup | $94.95 one time (SmartPay splits it into 3) | $75 one time |
| Monthly | $10.95, or $8.75 a month billed annually ($105/yr) | $8.95 |
| Past rent | Up to 2 years on your current lease included; earlier leases $50 each, up to 4 years total | All rent at your current address, back to your move-in date |
| How rent is verified | With your landlord or property manager, or automatically with RentCheck (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 |
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.
If your landlord is slow to respond, RentCheck verifies from the bank account you pay rent from, with less back-and-forth. It’s optional, so you never have to connect a bank account.
A free TransUnion score every month in your personal dashboard, so you can track your progress anytime.
Rental Kharma costs less to set up, and less per month than our monthly plan. Our annual plan is slightly less per month than theirs.
If you’ve lived at your current address for many years, Rental Kharma can report all of it, back to your move-in date. We report up to 2 years per lease.
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?
As of October 2026, 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.
Do I have to connect my bank account to use RentReporters?
No. We can verify your rent with your landlord or property manager. RentCheck, which uses the bank account you pay rent from, is a free option if you want fewer requests going to your landlord.
Which service will raise my score more?
Neither can promise a number, because your result depends on your full credit profile. What a service does control is which credit reports your rent appears on and how much history it adds.
It takes a few minutes to enroll.
Rental Kharma details from rentalkharma.com (rent reporting, FAQ and compare pages), checked October 10, 2026.
