Rental Kharma is a credit reporting service that enables individuals to build their credit scores by reporting their rent payment history. The company serves renters who may not have traditional credit histories, providing them with an opportunity to enhance their credit profiles through timely rent payments. With a straightforward process, customers can report past rent payments for a nominal fee, while enjoying the benefits of a monthly membership that includes personalized credit mentoring. The platform caters to a diverse clientele, including those who pay rent through various methods such as cash, money orders, or online portals. Rental Kharma emphasizes ease of use and accessibility, with no requirement for a checking account. By assisting users in reporting their rental history, the company aims to help them achieve improved credit scores, facilitating better access to loans and financial products in the future.
Rental Kharma receives overwhelmingly positive feedback, particularly for its exceptional customer service and effective credit-building solutions. Many reviewers highlight the outstanding support provided by staff members, especially Rachel, who is frequently praised for her professionalism, thorough explanations, and friendly demeanor.
Customers report significant improvements in their credit scores, with some noting boosts of up to 49 points. However, a small number of reviews express dissatisfaction, citing issues with service delays and unprofessional experiences. Despite these criticisms, the majority of consumers appreciate the overall service and recommend Rental Kharma for those seeking credit assistance. Overall, the sentiment is highly positive, reflecting a strong reputation for helping clients improve their credit.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.6 | 1,000 | 100% | — | ● Low |
Monthly average rating from reviews written by people · latest review Jun 2025.
| Month | Average | Reviews |
|---|---|---|
| Jul 24 | 5.0 | 5 |
| Aug 24 | 5.0 | 11 |
| Sep 24 | — | 0 |
| Oct 24 | 5.0 | 1 |
| Nov 24 | — | 0 |
| Dec 24 | — | 0 |
| Jan 25 | — | 0 |
| Feb 25 | — | 0 |
| Mar 25 | — | 0 |
| Apr 25 | — | 0 |
| May 25 | — | 0 |
| Jun 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 500 most recent reviews.
“Rachel at Rental Kharma was awesome very professional and courteous I highly recommend you ask for her and I recommen...”
“It charges $75 total due at signing up and $8”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Credit Cards.
| Company | Overall | Legit | Service | Website & app | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 4.6 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | 4.2 out of 5 (good) | 4.3 out of 5 (good) | — | 1,000 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | 3.9 out of 5 (good) | — | 1,060 |
Bottom line: Rental Kharma is #4 of 5 on overall rating in this group. On website & app, JustCover Travel Insurance scores higher (4.7 vs 4.2).
500 reviews of Rental Kharma. Filter by what matters to you.
Rachael Farley was a gift ! So positive, professional, and enthusiastic!! Not only was she well spoken with a great attitude, she also provided fast service to our specific needs. She handled our rent reporting with efficiency, and uncompromising integrity. Thank you!
Rachel was an angel !!! Very sweet and patient!!!! She needs a promotion !!!
When you attempt to cancel they continue to charge you every month. If this happens to you and they don’t get back to you report it as fraud!
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The Best Customer Service. Lupita is by far one of the best people who has helped me in terms of customer service. She supported me during all stages of the process with efficiency and professionalism. RENTAL KARMA Thanks
Great customer service! Very easy to talk to and very helpful! 5 star review!
Lupita is the best to work with she do anything to make sure all the info was reported correctly and with no problems I really happy she takes care of my profile!! 5stars for sure!!! Thanks lupita!! 🙏
It charges $75 total due at signing up and $8.75 every month. It costs $0 to build credit but some bogus companies / websites make it look like you need to pay for your credit in order to build your credit like this bogus website right here.
All the things you gotta do to get approved just like going through training to be a Navy seal too much work.. 2024 gotta come up with a simpler method
Erik Vasquez is the best person to work with he will go above and beyond to make sure that everything it's being reported the correct way couldn't be more than happy to have him work on my profile 100% satisfied with his work. Thanks Erik
Rachel was phenomenal! She was very helpful and answered all of my questions. She made the process very smooth for me. She definitely made my experience a great one. Can’t wait to see my results!
Rachel was absolutely amazing! She walked me through step what I needed to know and could expect. I definitely recommend to my family and friends. ⭐️⭐️⭐️⭐️⭐️
I recently had the pleasure of speaking with Rachel over the phone, and I must say, their assistance was exceptional. From the moment I connected with her, she exhibited a remarkable level of patience and professionalism. I lived in that place for 4 years and Rental Karma reported the monthly rent since the first time I made a payment. I checked my credit score and it is 670 ! thanks
My experience was GREAT due to having a really informative helpful conversation with Ally K she was super helpful had such great energy and really made the effort to help out and explain all information needed to move forward with the program!
Lupita.. finally my rents can be counted.. Thank you very much.
Rachel was amazing, on time for the appointment she made the process comfortable and easy. This was a amazingly quick process. I was at work and did not use to much time on the call.
Rachel was amazing. She provided in depth details of the program and walked me through step by step what I could expect. I was very pleased with my experience. I would recommend to my family and friends.
Chloe and Aly provided a great experience. They were very knowledgeable, warm, and friendly. All my concerns were addressed with answers and solutions. I really appreciate all their help.
Lupita was such a great help! Quick/easy process and I didn’t feel like I needed to do anything! Thank you Pita :)
Rental Kharma is a credit reporting service that enables individuals to build their credit scores by reporting their rent payment history. The company serves renters who may not have traditional credit histories, providing them with an opportunity to enhance their credit profiles through timely rent payments. With a straightforward process, customers can report past rent payments for a nominal fee, while enjoying the benefits of a monthly membership that includes personalized credit mentoring. The platform caters to a diverse clientele, including those who pay rent through various methods such as cash, money orders, or online portals. Rental Kharma emphasizes ease of use and accessibility, with no requirement for a checking account. By assisting users in reporting their rental history, the company aims to help them achieve improved credit scores, facilitating better access to loans and financial products in the future.
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