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.

Which credit bureaus?

All three. Equifax, Experian, and TransUnion.

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.

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.

About Debtpin -- Credit Reporting Infrastructure for Landlords

Name: Debtpin Rent Reporting
Brand: Debtpin

What Debtpin does.

Debtpin LLC is a regulated furnisher that submits rent payment data to Equifax, Experian, and TransUnion on behalf of landlords. Single tradelines and annual portfolio plans are available. Reports are formatted in the Metro 2 standard used by every major lender in the United States and furnished in compliance with Section 623 of the Fair Credit Reporting Act.

Why this exists.

For decades, the consumer credit system has reflected a structural asymmetry. Banks, auto lenders, credit card issuers, and student loan servicers routinely furnish every payment to the three national credit bureaus. They operate compliance departments, license Metro 2 software, and hold direct furnishing credentials with each bureau. Landlords, who originate one of the most economically significant recurring obligations in a consumer's financial life, have historically been excluded from that same channel. The result is a credit system that systematically underweights rental payment behavior and a rental market in which landlords have no non-litigation lever to enforce the terms of a lease.

Debtpin closes that gap. The infrastructure that banks have always had is now available to the operator landlord at flat-fee and annual-plan pricing. Accurate rental data flows into the credit file in the same Metro 2 format, through the same bureau pipelines, under the same FCRA regime. Tenants who pay on time build credit from the largest line item in their budget. Tenants who do not pay are reflected in the file the next landlord, lender, and employer will see.

Regulatory posture.

Debtpin operates as a Section 623 furnisher under the Fair Credit Reporting Act and maintains dispute-handling procedures consistent with Regulation V. Data is transmitted to Equifax, Experian, and TransUnion in Metro 2 format through established furnisher relationships. Consumer-initiated disputes are investigated within the timelines mandated by the FCRA, with documented furnisher response and tradeline update or removal as warranted by the investigation. The platform is designed so that every furnishing decision is supported by lease-grade documentation at the point of submission.

Who we serve.

Debtpin serves operator landlords across the United States: single-tradeline landlords reporting one tenant, and multi-property operators running portfolios of up to fifty units on annual plans. The platform is built for the operator who treats rental property as a business and wants the same regulatory infrastructure that every other recurring-payment industry already uses.