Most Frequently Asked Questions

Are there any long-term contracts associated with Koi.Credit?

There are no long term contracts. Koi.Credit operates on a month-to-month subscription.

Is Koi.Credit licensed and insured?

Koi.Credit is licensed, insured and regularly audited which makes our service secure and trustworthy.

What type of Payment option do you accept for the monthly subscription?

We accept MasterCard, Visa, Amex, Discover, Paypal and all major credit cards.

Why is there a Verification Fee and a Monthly Subscription?

The one-time Verification Fee pays for verifying your landlord, your rental information, administration costs, verifying identification of client, banking verification and our support center costs. The monthly subscription fee of $19.95 is for reporting all of your ongoing rent payments to the credit bureaus. Your first month will be billed immediately at the time we have verified your lease agreement.

Can I report payment to a credit bureau myself?

Credit bureaus require accreditation, meaning they only deal with accredited and approved Credit Scoring Companies like Koi.Credit.

What if I want to cancel my monthly membership? What is your Cancellation Policy?

Here at Koi.Credit we want our customers to have the freedom to cancel anytime.

  • 100% - 30 Day Money Back Guarantee
  • You are eligible to receive a full refund for the $19.95 monthly service fee if Koi.Credit is unable to verify and report your rental payment for that month
  • All refund requests must be made within 30 days of opening your account with us. Refund requests made after 30 days will not be processed

Why would Koi.Credit not refund my monthly service fee?

Here at Koi.Credit, we want you to get results! However, sometimes we are unable to work with certain rental setups. If you are unable to report your rent due to any of the following:

  • You attempted to report a private mortgage.
  • You attempted to report an illegal sublease.
  • You attempted to report a second lease that was during the same time frame as another lease you already reported.
  • You attempted to report a commercial property.
  • You were asked to provide additional documentation; like confirmation of residence or a photo ID and you refused to do so.
  • You are using one of our competitors services at the moment of sign-up

In any of these cases Koi.Credit will not refund the one-time verification fee of $9.95 because it is the fee to cover the time and money spent by our team trying to verify your information.

If you attempt to provide false information to our company, we will not be issuing any refund. We have a zero tolerance policy for dealing with false information.

What happens if I end my monthly subscription with Koi.Credit?

If you decide to terminate your subscription with Koi.Credit…

We will close the tradeline that was opened when we started reporting your rent, and any future rents will no longer be reported.

By terminating your monthly subscription you are forfeiting all of your referral leads, and willfully end the residual commissions gained every month thereafter. All current commissions in your account will be disbursed, but future commissions will no longer be available to you.

What if I no longer need to report my rent because I became a homeowner, but I still want to keep my referrals and my commissions?

In order to continue being an affiliate of our Profit Sharing Program, you must shift your account from a Renter and Affiliate Account, to a Partner Account. You will pay $19.95 a month to retain your status as an Affiliate of Koi.Credit, thus ensuring your monthly commission payout.

Do rental customers have to do anything in order to get their rent payments verified?

No! The great thing about our process is that once you have finished the registration process; we will take care of the rest! Our team will contact your landlord directly in order to verify your lease, and we will verify your monthly rent payment, without you needing to do anything.

How can I keep track of my rent payments?

Existing customers have a personal dashboard with the ability to keep track of all reported rent payments in our system. They will be categorized into successfully reported, unsuccessfully reported, and late payments. Customers will also be able to track past rental payments that have been submitted.

How do I request a refund and deactivate my account?

Your renter’s dashboard has an account deactivation button in the settings. In order to request a refund you must email us with a request to cancel your account due to dissatisfaction with our service.

Be sure to send us an email with the Subject Line: 30 Day Money Back Guarantee. Please include your address, customer ID (can be found in your profile), and reason for cancellation.

Refunds are processed within 1-3 business days of the request. It can take 2-7 days for a refund to show up on your bank or credit card account. If a customer no longer requires our services, but does not inform Koi.Credit with a written request of their desire to cancel, no refund will be issued.

What information do I need to Sign-Up?

When you Sign-Up with Koi.Credit, you will be required to provide some vital information to have your rent reported. You will need to following before getting started:

  • Landlord name and basic information. (or property management company name)
  • The term of the lease, is it month to month, 6 months or 1 year.
  • The dollar amount of your monthly rent payment. (Try to be specific as possible)

We also need to verify that you live at the place you are reporting and that you pay for rent. To do this we need: (required by the credit bureaus)

  • Renter’s government issued photo ID.
  • Renter’s date of birth.
  • Renter’s Social Security.
  • A digital copy of your Lease Agreement that matches the current rental address.
  • Renter’s current address including unit number.
  • Online bank verification with the account used to pay your rent. (Through PLAID)

Do you keep my information private and is it protected in your database?

We do not share or sell your information to any third party. We keep all of your rental information and personal ID information safely secured in our encrypted servers.

How long does it take to process the rental property verification?

We normally process the rental property verification for our customers within 1-3 business days. This of course depends on the documents and information submitted to us by our customers. If any documents or information submitted appears to be false or fraudulent our team will take more time in order to more thoroughly verify said documents.

What may cause a delay in the verification process?

As we stated above, any kind of fraudulent or false information submitted will delay the verification process. Also, we cannot get the verification process started until we have all the required documents from you and your landlord. We encourage our customers to prepare all required information beforehand for a smooth registration process.

How long does it take to process the rental property verification?

We normally process the rental property verification for our customers within 1-3 business days. This of course depends on the documents and information submitted to us by our customers. If any documents or information submitted appears to be false or fraudulent our team will take more time in order to more thoroughly verify said documents.

Is Koi.Credit a credit repair service?

We are NOT a credit repair service. We do provide education as the most effective way to quickly improve your credit score without taking on new debt.

How will Koi.Credit’s service improve my credit score?

They help establish your payment history. With our service, your biggest monthly bill is now being reported to the credit bureaus. Credit history is the biggest part of the FICO score algorithm. Rent reporting builds history in your credit file without adding debt. Remember, a large part of your credit score is demonstrating history. The longer you have a rental history tradeline on your credit report, the better. That is why we offer our JumpStart - which lets you report up to two years of past rental payments. Doing so will drastically increase your credit score.

When can I see my tradeline on my credit report?

A new tradeline called “Koi.Credit/Residence” will appear on your credit report within 5 days of verifying your rent and landlord information. Most customers after signing can expect to see an average increase in their credit score of 30-70 points within 14 days.

Can you report payments I already made in the past?

Yes, up to 24 previous monthly payments can be reported. We will need to verify your previous landlord(s) and history of payments. Once we verify your previous rental information you will see up to 24 months of your previous rent history show up on your credit report. We call this our JumpStart Add-on.

Can my spouse or roommate sign up for Koi.Credit and build their credit as well?

Yes! It is important that your roommate or spouse are also on the lease agreement. If a spouse or roommate is not on the lease agreement, then we cannot report their rent to the bureaus. Please note that your roommate or spouse will need their own separate Koi.Credit account and pay their own monthly subscription. But you can refer them as your primary referrals, thus gaining $8 for each sign up and follow the same process.

My landlord has me paying online already, can I still use your service?

Of course! Our service is non-invasive so you don’t have to change the way you pay your landlord. Just follow the steps in our Sign-Up verification process and we will take care of the rest to get your rent payments reported.

What happens if you cannot get in touch with my landlord?

We will contact you to inform you that your landlord is not cooperating and we will try once more to get in touch with them to verify your lease. If we cannot verify your lease through your landlord, we will contact you to assist us. However, your $9.95 will not be refunded as this is the cost in covering our overhead expenses. But, your $19.95 reporting fee will not be charged in your account.

Does my property management company have to be approved by Koi.Credit?

Does my property management company have to be approved by Koi.Credit? Yes, because we are treating them as a landlord for that specific renter. They need to be approved with us when a renter inputs that property management company as their landlord on the lease agreement.

If I pay my rent to a property management company am I eligible?

Yes, this is even easier. Just fill out the Sign-Up verification process as normal, there will be a space for you to input the property management companies name if applicable

How can I check on the status of my account or make any changes to my account?

Account information such as a change of address or billing information can be made through your dashboard interface. You will gain access to your dashboard once you have completed the sign up process.

Can I report my commercial rent payments?

Unfortunately, the credit bureaus do not accept commercial rental data, therefore we are unable to report your commercial rent payments.

Is my rent reported late if I make a late rent payment?

Your rent is not late until after 30 days from your lease agreement date, so we report your rent On-Time. You might be late after 10 days with your landlord, but it won’t be considered late to the credit bureaus.

What if I (the renter) move to a new rental property?

As an existing customer, you can easily change the address of your current rental property in your dashboard. Once you input your new address and upload your new lease agreement, we will have to re-verify your new rental information. A verification fee of $9.95 will be charged to your account in order to update your rental property, This fee will be charged to the current payment method that is already on file. In order to verify your new rental property please allow Koi.Credit 1-3 business days to verify the new lease.

What if I pay a different amount each month?

No problem. You might pay a slightly different amount each month if your utilities are included in your rent, or if you have to pay an additional fee to your landlord. Although your base rent is what we report as paid to the bureaus each month, we still verify your payment as long as it is close to the base amount. Keep in mind that if your rent amount is very different from the initial transaction you match, you may have to log in and re-match your next transaction. We are committed to reporting accurate information only. If we detect fraudulent reporting, your tradeline will be removed.

If I still have a problem or issue with my account, what is Koi.Credit’s contact?

You can contact [email protected] for technical issues, or concerns you have regarding the rent reporting program or our affiliate profit sharing program. Send all your emails and questions to [email protected] You can also chat to our live chat team from 9am to 5pm Monday thru Friday - Eastern Standard Time, or if you want to talk to a Koi.Credit representative you can call us at (800) 471-1571

When will commission be paid out?

All commissions no matter how large or how small, will be paid out at the end of every month, but after 30 days of the satisfaction guaranteed period has passed from your referral.

What happens if I end my subscription with Koi.Credit?

We will close the tradeline that was opened when we started reporting your rent, and any future rents will no longer be reported.

By terminating your subscription you will forfeit all of your referral leads, and end the residual commissions gained every month thereafter. All current commissions in your account will be disbursed, but future commissions will no longer be paid to you.

Welcome To Koi.Credit

Greetings! You have been referred by


Are you a Renter?

A Renter Affiliate is a renter who is a client of the Koi.Credit rent reporting program and has also decided to participate as an affiliate in the Koi.Credit Profit Sharing Program.

Are you a Property Manager?

A Property Manager Affiliate is someone who is a licensed Property Manager, and not a renter who is reporting rent with Koi.Credit.

Are you a Partner?

A Partner Affiliate is someone who has signed up for Koi.Credit’s Profit Sharing Program, but is not a licensed Property Manager or a Renter who is reporting rent with Koi.Credit’s rent reporting program.