For loan officers
A furnisher, not a
credit repair referral.
You are the person who has to defend this if it comes up in QC, so this page leads with the compliance posture and the data path rather than the pitch. Everything here is checkable, and where a number is not yet published we say so instead of rounding it.
What you need before you refer anyone.
Diligence questions, answered in the order they usually get asked.
Regulatory posture
We furnish consumer credit information under the FCRA. We are not a credit repair organization, we take no fee contingent on a score outcome, and we make no representation that anything will be removed from a report — because we do not remove anything.
Bureau coverage
State exactly which bureaus receive the data today. If it is two of three, say which two and address the third directly: underwriting pulls all three and uses the middle score, so a borrower and their LO both need to know which number will not move. Either give a date for the third or explain why two is still useful. This is the single most load-bearing paragraph on the page.
How the tradeline appears
It reports as an account with an open date, a payment history and a verified status — the same structure any furnished account has, not a note or a supplement. Confirm the exact account type code and how it is described on each bureau, and show a real extract. This is the one thing you can show that a credit repair company structurally cannot.
See what appearsWhich models read it
Name the scoring models that consider rental tradelines and the ones that do not, and keep this current. Classic FICO does not capture rent; newer models do. Cite the FHFA and HUD announcements directly rather than describing them — linking to a regulator is a move a fly-by-night operator will not make.
Timing, for a borrower already in process.
The reason this is worth a conversation mid-pipeline rather than only at pre-approval.
- History is backfilled, not accrued. A borrower with three years in the same unit gets three years of history added, not three years of waiting.
- Reported data typically appears within 3 to 10 days of verification.
- The account keeps reporting after closing, so it continues to help at refinance and on the next auto loan rather than going stale.
What it will not do is fix a file with recent derogatories, and it will not rescue a borrower who is short for reasons other than a thin file. We publish that plainly on the consumer side too. Is this right for you?
Data quality and disputes.
The questions a furnisher should be able to answer about itself.
Publish the dispute rate. It is the strongest number this company owns and it currently appears nowhere. A furnisher that publishes its own dispute rate is making a claim a credit repair shop cannot make, and an LO evaluating whether to send clients here will weigh it more heavily than anything else on this page.
State the standing with the bureaus directly. Bureaus terminate furnishers that report badly; furnishing continuously since 2012 without termination is a verifiable fact and the most persuasive sentence available to this audience. Confirm the date and the continuity before publishing it.
Disputes. Borrowers can dispute anything we report, through us or through the bureau, and we investigate as a furnisher is required to. Link the dispute process and state the response window.
Referrals and compensation.
State the compensation arrangement exactly, and address RESPA head on. For this audience an unclear answer is worse than an unfavorable one: an LO who cannot tell whether a referral creates a RESPA problem will simply not refer. If nothing is paid, that sentence belongs at the top of this section.
Borrowers sign up and pay directly. Nothing is invoiced to a lender, nothing is netted at closing, and no part of our fee depends on whether a loan funds.
Want to run a scenario first?
Call us with the file in front of you. If rent reporting is not the answer, we will say so.