debtpin
Bring rent into the credit system.
Report rent payments to Equifax, Experian, and TransUnion. Accurate data for a more complete credit system. From $99 per tradeline. Annual plans for multi-property operators.
All three bureaus. Same Metro 2 pipeline. Plans scale with portfolio size.
Built on Metro 2 format, the same standard used by every major lender in the United States.
- FCRA §623Furnisher compliant
- Reporting toEQUIFAXEXPERIANTRANSUNION
- Metro 2Format native
Keystone Realty Group LLC
Rental Account · Reported via Debtpin
Keystone Realty Group LLC
Rental Account · Reported via Debtpin
$9.2B
unpaid rent annually
<1%
of landlords report
7 years
on their credit report
13%
of renters have rent reported
Current Tenant
Enter tenant and property details.
Name, address, lease dates, rent amount.
Upload lease.
Signed lease as documentation.
Pay $99.
One flat fee to enroll your tenant.
We report to all three bureaus monthly.
Equifax, Experian, and TransUnion.
Former Tenant
Enter tenant and debt details.
Name, address, amount owed, dates.
Upload signed lease.
Lease agreement as documentation.
Attest and pay $99.
Certify accuracy. One flat fee.
Reported to all three bureaus within 30 to 45 days.
Equifax, Experian, and TransUnion.
Enter tenant and property details.
Name, address, lease dates, rent amount.
Upload lease.
Signed lease as documentation.
Pay $99.
One flat fee to enroll your tenant.
We report to all three bureaus monthly.
Equifax, Experian, and TransUnion.
“Every other bill hits your credit. Why not rent?”
For former tenants with unpaid balances:
| Do Nothing | Collections | Small Claims | Debtpin | |
|---|---|---|---|---|
| Cost | $0 | 30-50% of recovery | $50-300 + time | $99 |
| Time | Never | 3-12 months | 2-6 months | Under 5 minutes |
| Credit impact | None | Sometimes | None | All 3 bureaus |
| Keep recovery | n/a | No | Yes | Yes, 100% |
| Next landlord sees it | No | Maybe | If they search | Yes |
| Your effort | None | Moderate | High | Upload lease and pay |
| Dispute defense | None | Their problem | Your problem | Included |
From operators using Debtpin.
“We had three former tenants with balances we had written off. Reporting them through Debtpin took less time than filling out a small claims complaint and we kept full control of the outcome.”
“Adding a rent reporting clause to our lease and following through with positive reporting changed how our tenants treat the first of the month.”
“We compared Debtpin to two collection agencies. The other vendors take a percentage and never report. Debtpin reports for a flat fee and that is the lever we actually wanted.”
The same credit reporting access that banks have always had.
Tenants build credit.
On-time rent payments reported monthly to all three bureaus.
Complete and accurate data.
Rent is a credit obligation. The credit system should reflect it. Positive and negative.
Full-file reporting.
If a tenant stops paying, the data reflects what happened. No separate action needed.
Every lender reports to credit bureaus. Now landlords can too.
Banks, auto lenders, and credit card companies report every payment to Equifax, Experian, and TransUnion. They have compliance departments, Metro 2 software, and direct bureau credentials. A landlord with four units has the same legal right to report under the Fair Credit Reporting Act. But until now, there was no way to exercise it. Debtpin is the infrastructure that closes that gap. $99. All three bureaus. The same system, available to everyone.
For multi-property operators
Running a portfolio? Get an annual plan that bundles every tradeline.
Operator, Portfolio, and Pro plans include unlimited tradelines, ongoing monthly reporting, and dispute defense across the entire portfolio.
Pricing for every portfolio size.
Reporting five or more tenants per year? An annual plan pays for itself at tradeline #5.
Per tenant
Single Tradeline
$99one-time
Up to 10 units
Operator Plan
$499per year
Up to 25 units
Portfolio Plan
$999per year
26 to 50 units
Pro Plan
$1,999per year
Dispute pass-through: $25 per consumer-initiated dispute on every plan.
Is this legal?
Yes. Under the Fair Credit Reporting Act, original creditors have the right to report accurate debt information to consumer reporting agencies. As the landlord, you are the original creditor.
Is Debtpin a collection agency?
No. Debtpin is a technology platform that enables original creditors to report directly to credit bureaus. We never contact the debtor. We never collect money. We never send notices.
What documentation do I need?
A signed lease agreement. Our system verifies that the tenant name, property address, rent amount, and lease dates match what you provide. You can also upload a rent ledger or payment history to strengthen your report, but it is not required.
What if the tenant disputes?
We investigate all disputes within the 30 day window required by the FCRA. We review your documentation, contact you if additional verification is needed, and either verify or remove the tradeline. You are notified of the outcome.
What happens after I file?
Your report is submitted to all three bureaus within 30 to 45 days. Annual plans (Operator, Portfolio, Pro) include ongoing monthly reporting and dispute defense for every tradeline in the portfolio. Single Tradeline covers the initial submission to all three bureaus. On every plan, consumer-initiated disputes are passed through at $25 per dispute. You can cancel an annual plan anytime from your dashboard.
How is pricing structured?
Single Tradeline is $99 one-time, billed per tenant. Operator is $499 per year for portfolios up to ten units. Portfolio is $999 per year for up to twenty-five units. Pro is $1,999 per year for twenty-six to fifty units. All annual plans include unlimited tradelines, ongoing monthly reporting, and dispute defense. A $25 dispute pass-through applies on every plan when a consumer initiates a formal dispute.
Which credit bureaus?
All three. Equifax, Experian, and TransUnion.
What if the tenant pays after I report?
Log into your dashboard and mark the debt as resolved. We update all three bureaus on the next reporting cycle.
Do I need the tenant's Social Security number?
No, but providing the last four digits improves credit file matching accuracy. Full legal name, date of birth, and last known address are sufficient.
Can I report a current tenant?
Yes. Debtpin offers full-file rent reporting for current tenants. On-time payments are reported as current. If a tenant falls behind, the status updates after you confirm. $99 to enroll. Same price as reporting a former tenant.
Does the tenant need to consent?
Federal law does not require tenant consent for a landlord to report rent payment data to credit bureaus. However, we recommend including a rent reporting clause in your lease. Debtpin provides a template clause you can use.
What happens if my current tenant goes late?
You flag the missed payment in your dashboard. We confirm with you multiple times over the following weeks before any late payment is reported to the bureaus. No late payment is ever reported based on a single click. If the tenant later disputes, we investigate and remove anything that cannot be verified.
What if my current tenant moves out owing money?
Your positive reporting tradeline already shows the delinquency history. You can convert it to a former tenant debt report from your dashboard. The full payment history carries over.
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Accurate data for landlords, lenders, and the next tenant.
Report RentReports furnished in compliance with FCRA Section 623.