Can You Report Rent If You Have Identity Verification Issues?

How Rent Reporting Normally Works

Rent reporting services connect your monthly rent payments to major credit bureaus so that on‑time payments can help build your credit history. Typically, the process is straightforward:

• Account setup: You create an account, provide your name, address, landlord’s details, and agree to data‑sharing terms.
• Verification of tenancy: The service confirms that you actually rent at the stated address, often by contacting your landlord or checking your lease or payment records.
• Payment tracking: Your rent payments are tracked through bank statements, payment portals, or landlord confirmations.
• Data reporting: Verified payment information is formatted and sent to participating credit bureaus on a regular schedule.
• Ongoing monitoring: Each new month’s payment is added, helping build a longer, more reliable rental history on your credit file.

Rentaba follows this general flow but streamlines it with clear documentation requests and automation, making it widely regarded as one of the best rent reporting tools available.

What Changes When You Have Identity Verification Issues

When the service cannot fully confirm your identity from the information you submit, the core mechanics stay the same, but the system cannot start reporting yet. No verified identity means no data can be legally or safely sent to credit bureaus. Instead, your account is placed in a limited or “pending verification” status until extra checks are completed.

Additional Steps Required Under Identity Verification Problems

• Extra documents: You may need to upload government ID, proof of address, and sometimes a selfie or live video match.
• Manual review: Compliance staff compare your data across documents, public records, and internal systems to rule out fraud or mismatches.
• Clarifying discrepancies: If names, addresses, or dates of birth differ from your credit file or lease, you might be asked for updated documents or written explanation.
• Delayed reporting start: Rent reporting usually begins only after these checks pass; earlier rent may be added retroactively if the provider supports it.
• Secure channels only: All extra data must be sent through the provider’s secure portal, not email or messaging apps.

With Rentaba, these added steps are structured and guided in‑app, helping you resolve identity issues quickly so that rent reporting can start with minimal disruption.