Reduce the Financial Stress of Rent Not Paid
Help for Landlords who have been burdened with rent debt from former Tenants.
- Report Rent Not Paid to Credit Bureaus
- 22x More Effective Than Alternative Methods
- 1 Time Debt Reporting Fee, No Hidden Costs
- Respectful and Informative Communication
- Registered Repayment Plans Available
Remove the Stress of Rent Debt
Credit Bureau Collections Can Help You Recover Debts From Former Tenants
Former Tenants are motivated to contact you when they are informed of the debt on their credit.
Report rent not paid to the Credit Bureaus easily and on your own schedule, day or night.
Keep track of rent not paid in one place, easy to use and update when payments get made.
You Keep 100%
1 Time Debt Reporting Fee, No Hidden Costs
Report Rent Debt to the Credit Bureaus
Powered by Equifax to Ensure Data Accuracy
Sign up for a free FrontLobby Membership
Create a Former Tenant Lease Record
Enter lease details in less than 5 minutes
Report the Rent Debt to Credit Bureaus
The debtor will receive alerts until the debt is resolved
Do Credit Bureau Collections Work?
FrontLobby enables Landlords to report rent not paid by former Tenants to the Credit Bureaus. As a result, until the debtor pays in full, the rent debt will show on their Credit Report and their credit score may be impacted. This provides incentive for the former Tenant to communicate and ensure the debt is paid promptly.
With FrontLobby’s Debt Reporting tool, Landlords can inform their former Tenants of the impact a debt has on their credit. For those who wish to clear the rent debt but require additional time, FrontLobby enables Landlords to register payment plans.
How to Collect Unpaid Rent After a Tenant Moves Out?
Collecting unpaid rent after a Tenant moves out can be both time-consuming and stressful. Your business could suffer due to this loss of income and countless hours could be spent trying to recover rent not paid.
Many Landlords do not know how to collect rent after a Tenant moves out without paying or without notice. Their options typically include small claims court, collecting through a bank levy, wage garnishment, or hiring a debt collections agency.
An alternative method is for Landlords to report the rent debt to the Credit Bureaus for the purpose of collecting the outstanding balance, once reported the rent arrears will show on the Tenant’s Credit Report until it is cleared.
Report a Tenant to a Collection Agency
Landlords can report a former Tenant to a collection agency to help recover unpaid rent. However, most collection agencies work on commissions and the Landlord will owe a percentage of the debt, typically 30-50%, to the collection agency.
When Landlords choose to report rent not paid to the Credit Bureaus through FrontLobby they keep 100% of the debt recovered. FrontLobby does not negotiate payments, arrange payments or handle payments.
Valued by Housing Providers, Loved by Renters
Proudly Helping Our Members Thrive While Improving Renting For Everyone
I am using this service and my tenants are all fans of having their rent reported to help build their credit. I haven’t had any delinquent payments, but it certainly is an incentive for tenants to pay their rent on time.
Like Reply 1w
We have been using LCB for a while and I think all landlords should have LCB in their screening toolbox in a professional way. Landlords should take advantage of these kinds of tools that are available to them. It helps good tenants and landlords improve the overall renting experience / landlording business. Very good customer service as well.
I wish all landlords would do this … all landlords are requiring credit checks now, they should at least be offering to report good payments too. Sometimes getting a hold of the previous landlord for a reference is difficult, this would help people out so much.
Like Reply 1h
I have subscribed to your services a few months ago to have my rent reported to the credit bureau.
I have seen an increase in my credit report the first months.
I have 2 tenants who are new to the country and no credit, This is a perfect program to help them get established and build credit.
Getting setup on the program was very easy, and when we reviewed my credit report after the first month of setting it up my credit score had increased by 37 points. I was shocked it would have such a positive impact on my credit score in such a short amount of time.
No, FrontLobby is not a collections agency. FrontLobby does not negotiate payments, arrange payments or handle payments.
FrontLobby offers a portal which enables Landlords to directly report debts owed by current and former Tenants to Credit Bureaus for the purpose of collecting them and to directly notify and communicate with debtors.
Landlords do have the right to report Tenants to a credit bureau for the purpose of collecting on a debt. Tenants are more likely to resolve a delinquency when faced with the reality that their past actions will be noted on their credit report and will follow them around for years to come.
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
No. Any suggestion that an order from the Landlord and Tenant Board (LTB) is required to report a debt to Credit Bureaus is not based in legislation or jurisprudence from the Courts. The reporting of rental debts in Ontario to Credit Bureaus has long occurred as a regular, established and accepted practice by collections agencies and larger housing providers and has never required an order. Read More
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
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