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.

For multi-property operators

The non-litigation lever your lease has been missing.

Name: Debtpin Rent Reporting
Brand: Debtpin

Eviction is slow. Small claims is slow. Collections take a cut and rarely report. Direct furnishing to all three credit bureaus is the operator-grade lever between a missed payment and the courthouse, and it is the same channel banks have always had. Debtpin gives the operator landlord that channel at flat-fee and annual pricing.

Pick the plan that fits the portfolio.

Slide to your portfolio size. The recommendation updates in real time.

Active units in portfolio10

110255060+

Recommended plan

Operator Plan

$499per year

Get Started

Unlimited tradelines and bundled monthly reporting and dispute defense for portfolios up to ten units. The annual fee is amortized at $99 by tradeline number five.

On every plan, consumer-initiated disputes are passed through at $25 each.

See all plan details for the full feature comparison.

What an annual plan looks like for an operator.

Unlimited tradelines on annual plans.

Operator, Portfolio, and Pro bundle unlimited tradelines, ongoing monthly reporting, and dispute defense across the portfolio. One annual fee, every tenant on file.

Built on Metro 2.

Reports are formatted in the Metro 2 standard used by every major lender in the United States. Same pipeline, same bureaus.

FCRA Section 623 furnisher.

Debtpin operates as a regulated furnisher under the Fair Credit Reporting Act and handles disputes within the windows mandated by Regulation V.

Operator-language reporting flow.

Reporting a tenant takes under five minutes per tradeline. Upload a signed lease, confirm the data, and the tradeline goes out on the next reporting cycle.

Run a portfolio. Report rent. Compound the leverage.

See Plans

Reports furnished in compliance with FCRA Section 623.