With KOHO’s Rent Reporting, you can help build your credit history by paying rent to your landlord with KOHO! Here's how it works:

💡 Already on the Everything Plan? Take advantage of Tenant Insurance and Rent Reporting and you can earn 0.25% cash back on every rent payment you make and report through KOHO. Learn more here.

To opt into our Rent Reporting feature, you must first be subscribed to Credit Building or a paid plan (Essential, Extra or Everything).

Upon opting into Credit Building or a paid plan, all you need is to have your rental agreement ready and then you can proceed to register for Rent Reporting!

Although we encourage every KOHO member to use Rent Reporting, there may be scenarios where it might not be applicable. Please refer to our Rent Reporting eligibility guide to check if you can use Rent Reporting.

Rent Reporting is free of charge for paid plan or Credit Building subscribers!

To make a rent payment to your landlord, you can do so in-app. You can pay by selecting $ > Pay Rent or by going to the Discover tab > Rent Reporting > Pay Rent.

There are a few ways you can pay rent with KOHO:

*We have a daily maximum outbound e-Transfer limit of $3000. If you want to send rent over $3000, please use the pre-authorized debit or debit card option instead.

There may be instances where your rent payment is not automatically recorded. In these situations, our system will try to find your rent payment.

💡 The earliest date on which we can report rent is seven days following the sign-up date. If you have recently signed up and your rent is due within seven days of your signup, please pay your rent through KOHO going forward and the following month's rent payment will be your first reported payment.

To confirm your rent payment:

To manually add your rent payment:

If you still cannot find your rent payment, reach out to our support team in-app or on the web portal to assist you.

Your rent payments are automatically recorded based on the information you provided during enrollment.

If an incorrect rent payment appears, you can edit it in the app. However, once the rent payment has been reported to Equifax, it can no longer be edited.

For assistance with changing reported rent payments, you can contact our support team through the app or the web portal.

Need to change the rent amount, last payment date, or the rental end date?

You can update your Rent Reporting details right in-app:

We want to ensure Rent Reporting works with the changes in your life including a new move.

We recommend updating your address in-app. To make changes to your account in-app, head over to the profile icon > Personal Details in the KOHO app 📫

A tradeline is an account that appears on your credit report.

With Rent Reporting, your rent payment for a month is submitted to Equifax in the next calendar month.

You can expect to see KOHO appear on your credit report in the second week of the month following your monthly rent payment. For example, if you made a rent payment on the 1st of December, you would see KOHO in your credit report the second week of January.

Just like how paying your bills on time helps your credit score go up, the opposite is also true. If you don't pay your bills on time, it will damage your credit history.

Therefore, ensure timely rent payments to avoid the closure of your rent reporting account and any negative effects on your credit score.

Cancelling your Rent Reporting can affect your credit score in two ways:

Improving your credit history takes time and patience. But there’s good news! We keep your Rent Reporting open for 3 months after you cancel. That way, if the age of your credit history is reduced from the cancellation, it won’t show up for at least a few months (if at all).

To stop using Rent Reporting, follow these steps:

We will automatically cancel your Rent Reporting line with Equifax if any of the following apply:

If Rent Reporting was incorrectly cancelled, you can start rent reporting again in-app.