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.

Pricing for every portfolio size.

Name: Debtpin Rent Reporting
Brand: Debtpin

One flat fee per tradeline for single reports. Annual plans for landlords with multiple units. Reporting to Equifax, Experian, and TransUnion on every plan.

Reporting five or more tenants per year? An annual plan pays for itself at tradeline #5.

Single Tradeline

Per tenant

$99one-time

One tradeline. The entry point for landlords reporting a single current or former tenant.

Reported to Equifax, Experian, and TransUnion
Metro 2 formatting and submission
FCRA §623 furnisher compliance
Initial bureau submission within 30 to 45 days
$25 per consumer-initiated dispute

Report One Tenant

Recommended

Operator Plan

Up to 10 units

$499per year

Unlimited tradelines for portfolios up to ten units. Ongoing monthly reporting and dispute defense included.

Unlimited tradelines across the portfolio
Ongoing monthly reporting to all three bureaus
Dispute defense included
Metro 2 formatting and submission
$25 per consumer-initiated dispute

Start Operator Plan

Portfolio Plan

Up to 25 units

$999per year

Unlimited tradelines for portfolios up to twenty-five units. Ongoing reporting and dispute defense included.

Unlimited tradelines across the portfolio
Ongoing monthly reporting to all three bureaus
Dispute defense included
Metro 2 formatting and submission
$25 per consumer-initiated dispute

Start Portfolio Plan

Pro Plan

26 to 50 units

$1,999per year

Unlimited tradelines for portfolios of twenty-six to fifty units. Ongoing reporting and dispute defense included.

Unlimited tradelines across the portfolio
Ongoing monthly reporting to all three bureaus
Dispute defense included
Metro 2 formatting and submission
$25 per consumer-initiated dispute

Start Pro Plan

Dispute pass-through: $25 per consumer-initiated dispute on every plan. This aligns landlord incentives with accurate reporting and protects the unit economics of ongoing monthly furnishing.

Plan comparison

Feature comparison across all four Debtpin pricing tiers.
Feature	Single Tradeline	Operator Plan	Portfolio Plan	Pro Plan
Tradelines	1	Unlimited	Unlimited	Unlimited
Portfolio size	1 tenant	Up to 10 units	Up to 25 units	26 to 50 units
Bureaus	All three	All three	All three	All three
Ongoing monthly reporting	Add-on	Included	Included	Included
Dispute defense	Included	Included	Included	Included
Dispute pass-through	$25 each	$25 each	$25 each	$25 each

Pricing questions

Which plan should I pick?

If you have one tenant to report, Single Tradeline is the entry point. If you are reporting five or more tenants over the course of a year, an annual plan pays for itself by tradeline number five and bundles ongoing monthly reporting and dispute defense.

What is the dispute pass-through?

If a consumer initiates a formal dispute on a tradeline you furnished, the investigation cost is passed through at $25 per dispute on every plan. This aligns incentives toward accurate reporting at the point of furnishing.

Are tradelines truly unlimited on annual plans?

Yes, up to the portfolio size cap on each plan. Operator covers up to ten units, Portfolio covers up to twenty-five units, and Pro covers twenty-six to fifty units. Landlords above fifty units should reach out directly.

Is ongoing monthly reporting included?

Ongoing monthly reporting and dispute defense are included on every annual plan. Single Tradeline covers the initial submission to all three bureaus; ongoing furnishing on Single Tradeline is available as an add-on.

Pick the plan that fits the portfolio. Start reporting in under five minutes.

Get Started

Reports furnished in compliance with FCRA Section 623.