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You all will NOT believe this! :)

New Member

You all will NOT believe this! :)

I had a v ery thin file and didn't know what to do.  I couldn't get a thing! So I heard about a company called Rental Kharma and they use up to 2 years of rental payments and apply them to your TU credit report.  Well, it finally got added to my report and in less than a month, my score with TU went from 532 to 674!!! 142 points!  And the only reason it took almost a month is because they couldn't reach my landlord! I am so happy....thanks for reading.

 

 

 

TU 674

EX 610

EQ 628

 

Message 1 of 5
4 REPLIES
Valued Contributor

Re: You all will NOT believe this! :)

First time I've ever heard of this outfit. Has anyone else here had experience with it? The overall results I've found on Google so far appear to be mainly positive, but I'd like to hear from any other MyFICO members who've dealt with this business. If I could in fact get my FICO scores improved by having my rental payments (which have been 100% on time since I moved in) reported, that'd be pretty nice.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 4/19/18:TU 664/EX 697/EQ 695 FICO 8 or 683 FICO 9 (Penfed 3/13/2018), VS 3.0 4/17/18: TU 713/EX 709/EQ 708. $71,800 revolving credit as of 3/23/18; $4000 Walmart Store Card, $4500 Discover It, $5000 Discover It #2 (new 3/12), $6000 Cap One Quicksilver MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $7300 Overstock Store Card, $10K Cap One QS Rewards Visa Signature, $15K Care Credit, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Resetting the garden clock from 3/12/18...
Message 2 of 5
Valued Member

Re: You all will NOT believe this! :)

According to what I've read, it's legit, but it's only recognized by Vantage scores and FICO9. So FICO8 and older models won't get any score benefit.

Message 3 of 5
Valued Contributor

Re: You all will NOT believe this! :)

OK, so not much use to me then, as I'd have preferred it to go into FICO 8.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 4/19/18:TU 664/EX 697/EQ 695 FICO 8 or 683 FICO 9 (Penfed 3/13/2018), VS 3.0 4/17/18: TU 713/EX 709/EQ 708. $71,800 revolving credit as of 3/23/18; $4000 Walmart Store Card, $4500 Discover It, $5000 Discover It #2 (new 3/12), $6000 Cap One Quicksilver MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $7300 Overstock Store Card, $10K Cap One QS Rewards Visa Signature, $15K Care Credit, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Resetting the garden clock from 3/12/18...
Message 4 of 5
New Visitor

Re: You all will NOT believe this! :)

I also think that FICO8 work not better but next one like- FICO9 would be much better.

Message 5 of 5