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 Obligations as a Furnisher

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

When you report tenant data through Debtpin, you become a furnisher of information under the Fair Credit Reporting Act. This page summarizes your key obligations. This is not legal advice—consult an attorney for guidance specific to your situation.

Report Accurate Information

You may not report information you know or have reasonable cause to believe is inaccurate. Before enrolling a tenant, verify that the name, address, lease dates, rent amount, and any outstanding balance are correct and supported by your records. If you discover that previously reported information is incorrect, update it immediately through your dashboard.

Keep Information Current

Your obligation doesn't end at enrollment. You must update your Debtpin dashboard when the status of an account changes. This includes: when a tenant pays a balance in full or in part, when you reach a settlement, when a tenant files for bankruptcy, when lease dates or rent amounts change, or when you become aware of any inaccuracy in previously reported data.

Cooperate with Dispute Investigations

Tenants have the right to dispute information on their credit report. When a dispute is filed, Debtpin will contact you to verify the reported data. You must respond within 5 business days with the information and documentation we request. If you do not respond, we will delete the tradeline. We will not verify information we cannot substantiate.

Retain Your Records

Keep your lease agreements, payment records, ledgers, correspondence, and any other documentation related to accounts you report through Debtpin. Retain these records for at least 7 years after the end of the reporting period. These records are your defense if a tenant disputes or if you face a legal challenge.

Don't Use Reporting as Retaliation

Do not use Debtpin to punish a tenant for exercising their legal rights—such as requesting repairs, complaining to a government agency, or organizing with other tenants. Credit reporting should reflect accurate payment data, not personal disputes. If you are currently in a legal dispute with a tenant about property conditions, lease terms, or other non-payment issues, resolve that dispute before reporting.

Use the Lease Clause

While federal law does not require tenant consent for rent reporting, we strongly recommend adding a rent reporting disclosure to your lease. Debtpin provides a template clause at debtpin.com/lease-clause. Including this clause puts tenants on notice, reduces surprise-based disputes, and strengthens your documentation.

Negative Information Notice

If you are reporting negative information about a tenant (late payments, unpaid balances, charge-offs), the tenant must receive a written notice that negative information has been or may be furnished to a consumer reporting agency. Debtpin sends this notice on your behalf when a negative tradeline is first reported. You do not need to send it separately, but you should be aware of this requirement.

This page is provided for informational purposes and does not constitute legal advice. Consult an attorney for guidance specific to your situation.