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.

Recommended Lease Clause for Rent Reporting

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

While federal law does not require tenant consent for landlords to report rent payments to credit bureaus, we recommend adding a rent reporting clause to your lease for transparency. You can copy the clause below and add it to your existing lease agreement.

CREDIT REPORTING DISCLOSURE: Landlord may report Tenant's rental payment history, including late payments, missed payments, and unpaid balances, to one or more consumer reporting agencies (credit bureaus), including but not limited to Equifax, Experian, and TransUnion. This reporting may positively or negatively affect Tenant's credit score. If Tenant believes any reported information is inaccurate, Tenant may submit a dispute to Debtpin LLC at disputes@debtpin.com or by mail to PO Box 42177, Philadelphia, PA 19101. Landlord will investigate all disputes within 30 days as required by the Fair Credit Reporting Act. This reporting may continue after the termination of this Lease with respect to any outstanding balance owed by Tenant.

This is a general template. Consult with a licensed attorney in your state to confirm compliance with local landlord-tenant law.