Unlock the Power of

Rent Reporting Services

for Real Estate Owners.

TopLine, is an accredited credit reporting company, that focuses exclusively on serving multifamily property owners and management companies. We ensure that tenants’ monthly rental payments, both positive and negative, are reported to the leading credit reporting agencies (CRA).

(coming soon)

Onboarding is Easy

How it works

Tenant Notification:

Following the contract signing and prior to initiating reporting, it is mandatory for the landlord to notify all tenants at least 30 days in advance about the initiation of reporting to the credit agency.

Reporting Setup & Test:

We have seamless integration with widely used management software, facilitating a smooth and straightforward reporting process. Subsequently, we conduct a test to verify proper integration.

Compilation and Submission:

We gather the data and submit credit reports for all tenants in your portfolio to the credit agencies.

Current Software API Integrations

Rent Reporting

Report on-time rental payments through Top Line Reporting to all major credit reporting agencies. Rent Reporting increases resident retention and incentivizes them to pay on time, all while helping establish or build their credit.

About TopLine Credit Reporting

Empowering Property Owners, Elevating Tenants

At TopLine, we take pride in being an accredited credit reporting company dedicated to catering exclusively to multifamily property owners and management companies. Our mission is clear: to guarantee that tenants’ monthly rental payments, encompassing both positive and negative aspects, are diligently reported to the foremost credit reporting agencies (CRA). With a commitment to accuracy and compliance, TopLine stands as your reliable ally in enhancing the financial well-being of property owners and tenants alike.

Property Owners Are Adopting Fast

Recent Press

37% Increase in Number of Property Managers Reporting Rent Payments

More than one-third (36%) of property managers who are aware of the practice of reporting rent payments to credit reporting agencies do so. The finding comes from new research from...

How Rent Reporting Can Help Improve Your Credit

Unlike mortgage payments, rent payments (or the lack thereof) have generally only been included in your credit in the event of nonpayment that a landlord might report. In other words...

Gen Z Pushes for Landlords To Report Rent Payments to Credit Bureaus

According to a recent study by TransUnion, renters in their 20s and 30s want their landlords to report rent payments to the major credit bureaus. The main reason: Gen Z...

Contact Us

Looking for support?

Have something in mind but aren’t sure if we can help? Get in touch to see what we can do for you.

Lets Talk!

866-339-0677

Email us.

office@toplinereporting.com

Dont be shy

Frequently Asked Questions

Your Questions, Answered.

Consumers tend to prioritize payments for items reported to credit bureaus, such as car loans and credit cards, as late payments can adversely impact their credit scores. Consequently, when landlords or property managers report rental payments, tenants are more inclined to make timely payments. Research indicates that incorporating rental payment reporting significantly reduces instances of late payments and delinquencies.

Moreover, recent surveys indicate that the majority of today’s renters prefer landlords who report rent payments, recognizing that timely payments can positively impact their credit scores. Therefore, rent payment reporting becomes a valuable service that attracts responsible, credit-conscious tenants to your properties.

More than 45 million adults in the United States fall into the category of “credit invisible,” lacking a substantial credit history. This demographic primarily includes immigrants, minorities, and households with low to moderate incomes. Additionally, there are approximately 44 million renting households and around 110 million renters facing financial challenges.

Traditionally, rent payments have not contributed significantly to credit building, unlike the impact of mortgage payments. This traditional approach puts renters at a disadvantage when attempting to enhance their credit profiles and secure financing for significant investments such as a car, home, or education.

Policy changes enabling the reporting of rent payments to credit bureaus began around 2013. In recent years, this practice has gained momentum, with TopLine playing a pivotal role in promoting wider acceptance of rent reporting for credit benefits.

Consequently, rent reporting is now recognized as an equitable and inclusive solution, allowing renters to establish credit by consistently paying their largest monthly expense—rent—on time.

Moreover, recent surveys indicate that the majority of today’s renters prefer landlords who report rent payments, recognizing that timely payments can positively impact their credit scores. Therefore, rent payment reporting becomes a valuable service that attracts responsible, credit-conscious tenants to your properties.

Yes. The federal Fair Credit Reporting Act (FCRA) and consumer protection and privacy laws enable landlords to report to Credit Bureaus without obtaining consent, so long as the information provided is accurate and complete, and tenants’ disputes of the accuracy of furnished information is investigated as required by law.

For reporting purposes, it is necessary to have a tenant’s date of birth (DOB) and/or Social Security Number (SSN). In certain instances, providing the last four digits of the SSN is satisfactory.

TLR holds approved API integration partnerships with numerous prominent PM software programs, including:

  • Yardi Voyager
  • Entrata
  • ResMan
  • Remote Landlord
  • Rent Manager
  • RentRite
  • (Realpage – upcoming)

Furthermore, the following is a partial list of additional PM software programs where we offer report customization:

  • Appfolio
  • Buildium
  • MRI
  • Yardi Breeze

We report to TransUnion® Equifax® and Innovis®. We anticipate that by the end of the first quarter of 2024 we will report to Experian® as well.

There is no minimum! We service clients of all sizes.

We maintain a specialized dispute department exclusively tasked with promptly investigating and resolving consumer credit disputes in strict accordance with FCRA regulations. This process is streamlined to ensure minimal involvement from the landlord/property management office.

TopLine, is an accredited credit reporting company, that focuses exclusively on serving multifamily property owners and management companies. We ensure that tenants’ monthly rental payments, both positive and negative, are reported to the leading credit reporting agencies (CRA).

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