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 and updated monthly. Active maintenance is included at $2/month starting after your first 90 days. This covers ongoing monthly reporting to all three bureaus and dispute investigation if the tenant challenges the report. You can cancel anytime from your dashboard.

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.

Your Rights Under the Fair Credit Reporting Act

Name: Debtpin Rent Reporting
Brand: Debtpin
Price: 99.00 USD

Debtpin reports rental payment data to Equifax, Experian, and TransUnion on behalf of landlords. If Debtpin appears on your credit report, you have rights under federal law. This page explains those rights.

What is Debtpin?

Debtpin is a technology platform that enables landlords to report rent payment data—both positive and negative—to the three major consumer reporting agencies. Debtpin is not a collection agency. We do not contact consumers, collect debts, or send demand letters. We report data on behalf of landlords who are the original creditors under the Fair Credit Reporting Act.

Why is Debtpin on my credit report?

A current or former landlord has used Debtpin to report your rental payment history to one or more credit bureaus. This may include on-time payment history (which can help your credit score) or information about late payments or unpaid balances.

Your Rights

1. You have the right to know what is in your credit file.

You can request a free copy of your credit report once per year from each bureau at annualcreditreport.com.

2. You have the right to dispute inaccurate or incomplete information.

If you believe information reported by Debtpin is wrong, you can submit a dispute directly to us at debtpin.com/disputes, by email at disputes@debtpin.com, or by mail to Debtpin LLC, PO Box 42177, Philadelphia, PA 19101. You may also dispute directly with the credit bureau that is reporting the information.

3. You have the right to a timely investigation.

We are required to investigate your dispute within 30 days (or 45 days if you provide additional information after your initial submission). We will review all relevant information, contact the landlord who reported the data, and notify you of the outcome.

4. You have the right to have inaccurate information corrected or deleted.

If our investigation finds that the reported information is inaccurate or cannot be verified, we will correct or remove it from all three bureaus.

5. You have the right to add a statement to your file.

If your dispute is investigated and you disagree with the outcome, you may request that a brief statement of your dispute be included in your credit file.

6. You have the right to seek damages.

If you believe your rights under the FCRA have been violated, you may have the right to sue in federal or state court.

How to Resolve a Balance

If the information on your credit report is accurate and you owe a balance to a former landlord, you can resolve it by paying the landlord directly. Once the landlord confirms payment through their Debtpin dashboard, we update all three credit bureaus on the next reporting cycle. The tradeline will be updated to show a zero balance with a status of “paid” or “settled.” The account history will remain on your credit report for up to seven years from the date of the original delinquency, as required by federal law.

Contact Us

For disputes: disputes@debtpin.com or debtpin.com/disputes

For general questions: support@debtpin.com

By mail: Debtpin LLC, PO Box 42177, Philadelphia, PA 19101

This page is provided for informational purposes and does not constitute legal advice. For a complete description of your rights, see the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) or consult an attorney.