Report On-Time and Rent Arrears to the Credit Bureaus to increase cashflow, prevent evictions and lower vacancies, all while improving credit inclusion for everyone.

FrontLobby provides significant benefits for our Tenant members. Tenants can finally build credit by paying rent and create a Tenant Record to help them receive priority for future housing. Even if a Tenant is having financial difficulty, as long as they communicate with their Landlord and create a reasonable payment plan, they can still receive the same benefits.

In the US, it is a well-established practice for Landlords to report debts to collection agencies and share that information with Credit Bureaus, such as Equifax and TransUnion for the purpose of collecting debts and mitigating fraud. Reporting to Credit Bureaus commonly occurs indirectly through collection agencies or directly by large Landlords. FrontLobby enables Landlords of all sizes to report debts to Credit Bureaus and to be involved with reporting positive rental histories to benefit Tenants.

FrontLobby’s goal is for all parties to fulfill their responsibilities, act responsibly and for Landlords and Tenants to benefit as a result.    

In 2019, TransUnion found that 73% of renters would be more likely to make on-time rent payments if Property Managers reported rent payments to credit bureaus. Rent reporting incentivizes on-time payments by making paying rent on time truly matter. For your rental business, this means realizing a steady cash flow and earning back precious time as you won’t be chasing down your Tenants seeking payment.

For a Tenant who has given consent, reporting to Credit Bureaus may occur if the reporting function is activated. Consent must be provided by the Tenant logging into the Tenant Portal, verifying identity, reviewing the Lease Record, and then manually checking the consent checkbox.

For a Tenant who pays on-time and does not owe money, but has not given consent, Landlords may use the Platform for their internal recordkeeping and management purposes. If the Landlord activates the option, then the Tenant will have the choice to opt-in by consenting to receive the benefits of reporting to Credit Bureaus (e.g. improved Credit Report, positive Tenant Record). If such Tenant does not opt-in by consenting, the Landlord may still maintain a Lease Record using the Platform. As long as the Tenant does not owe a debt, such Lease Record will remain in the control of the Landlord and only be used for the Landlord’s internal recordkeeping and management purposes and not shared.

For a Tenant who does not pay rent when owed and thus owes a debt, applicable legislation enables Landlords to report that debt without notice or consent under an approved purpose (e.g. to collect the debt). Late payments may be immediately reflected on the Lease Record and upon a debt being owed for 30+ days the debt may be shared with Credit Bureaus.

For additional information read FrontLobby’s Legal Framework

It is free and quick to create a FrontLobby account. FrontLobby provides an internal Recordkeeping platform with tools to report rental payments to Credit Bureaus, pull Credit Checks and recover debts.

Landlords or Property Managers can sign up here

Tenants can sign up here

No. As long as the amount of debt reported is accurate and only includes unpaid rent and unpaid utilities as outlined in the lease, then you do not require a judgement, ruling or monetary order.

If the amount of debt reported is accurate and only includes unpaid rent and unpaid utilities as outlined in the lease, then you do not require a judgement, ruling or monetary order.
To report damages or penalty fees, you do require a judgement, ruling or monetary order.
If you have or subsequently obtain a judgement, ruling or monetary order then the amount of debt reported using FrontLobby must be updated to match. Read More

If there IS NOT A DEBT owed by the Tenant, then YES, consent is required to report rent payments to Credit Bureaus.  FrontLobby recommends adding notice and consent clauses to all tenancy Applications and Leases (See Here). The FrontLobby platform requires a Tenant who does NOT owe a debt to login to the platform, verify ID, and check a consent box to report rent payments to Credit Bureaus.  If the Tenant does not login and check the consent box, the record will remain internal to the housing provider’s records and is not disclosed or shared with anyone.

If there IS A DEBT owed by the Tenant, then NO, consent is not required to report the debt to Credit Bureaus for the purpose of collecting the debt owed.  The Office of the Privacy Commissioner of Canada, which oversees the Federal Personal Information Protection and Electronic Documents Act (“PIPEDA”), have stated that a creditor (e.g. landlord) can report a debt to a Credit Bureau without consent for the purpose of collecting the debt (PIPEDA Section 7(3)(b)). Read More