Rent reporting API.
Verified rent payment history furnished to the bureaus under an FCRA-aligned framework, produced by the rail that moved the money rather than relayed from a ledger.
Why this is hard today.
Roughly 87% of rent payments produce no credit signal at all, per TransUnion, September 2025. For most renters the largest recurring payment they make each month builds nothing, and the on-time history a good tenant accumulates disappears the day they move.
Reporting solutions that relay data from a ledger, a bank feed, or a renter attestation are furnishing a record of a payment they did not witness, which is a weaker position for dispute handling and a harder one to defend as document fraud becomes cheap.
How VFIntel does it.
VFIntel operates the regulated payment rail on which the rent moves, so furnishment is a by-product of a transaction it processed on both sides. The data is verified at source rather than reported at second hand.
Reporting runs under an FCRA-aligned furnishment framework covering bureau-ready furnishment, dispute handling, and consent flows, designed to reach Equifax, TransUnion, and Experian. Bureau partnerships are in development.
The same verified payment history also makes the renter underwritable for short-term credit products, deposit financing, move-in smoothing, and lease-gap coverage, delivered through VFIntel's apps and funded by partner lenders.
What you get.
Verified rent payment history designed to be furnished to all three major bureaus.
Data produced by the payment rail itself, not relayed from a ledger or self-attested.
A retention lever for landlords: good tenants build credit by staying put, which costs the operator nothing and the landlord across the street cannot offer.
Distribution to a thin-file population for lenders and bureaus, on a stream that is verified rather than inferred.
This is the credit rail.
VFIntel runs six regulated rails on one integration: payments, insurance, credit, identity, banking, and lease compliance. This page describes the credit rail. Each rail stands on its own, so a partner can start here and add others later, and the record gets stronger as more of them run on the same rent payment.
Common questions, direct answers.
Verified, lease-attached rent payment data is designed to be furnished to Equifax, TransUnion, and Experian under an FCRA-aligned framework. Bureau partnerships are in development.
A point vendor typically receives rent data from a ledger, a bank feed, or the renter, then furnishes it onward, so it reports a payment it did not process. VFIntel operates the rail the payment moved on, which makes the furnishment verified at source.
Yes. VFIntel runs a consent-first model in which one consent flow governs every downstream share, so the renter authorizes once and can see every use.
Fifteen minutes. One direct answer.
Tell us which side of the lease you sit on and bring your sharpest question. Every conversation starts from your operation, not our roadmap.