Setup Fee: $89.95

Monthly Fees: $0.00

Setup fee includes: Application, processing, first month membership fee, and initial verification fee.

Membership Agreement:
All applicants must agree to and accept the terms and conditions BEFORE the application and payment will even be allowed into our system. Read this Agreement, and retain it for your records.

Cancellation and Refunds:
Your membership may be cancelled at any time by sending an email to us. All fees are non-refundable, unless you cancel your membership within five (5) days of your initial signup. If you do cancel within five (5) days of your initial sign-up you will receive a full refund minus a $9.95 account cancellation and refund-processing fee. You agree to pay any accrued, unbilled charges to your account through the date of cancellation at the time of cancellation, so long as you have not cancelled within five days of your initial signup or any renewal.

You can cancel at anytime. However, if you choose to cancel after we have already started providing the verification service we are unable to refund your membership fee or renewal fee.

Remember:
1. The longer you report the more you benefit.
2. The longer you have rented the more you benefit.
3. If you move we will transfer your payment history one time per 12 months for free. If you move two or more times within 12 months you will be charged a transfer fee of $24.95, we will apply this fee to the your account.   
4. Once a credit item appears on your report it will stay there for 7 years. So once you report your rent, and it shows on your report, you will benefit for up to 7 years.
5. If you pay your rent more than 30 days late, it will be reported as a late payment on your credit report.
6. When you start reporting a rental account, you will receive credit on your report from the date you started renting there, going forward.
7. Reporting your rent does not guarantee you a higher credit score. Many factors affect your credit score.
8. It takes an average of 10-30 days to verify your information and another 30-90 days for the bureau to add it to your credit report. So it could take anywhere from 30-160 days for your rental account to show on your credit report.
9. Your account might show up on one or many of the major bureau reports.
10. We will contact you if we have any problem verifying your account.

Refund Processing:
Once the initial Renter’s Credit rental verification is initiated we cannot issue any refunds. Refunds are made by check and mailed to the address on your application. In either case, please allow up to sixty (60) days for any qualifying refund to be received.

Fraud Resolution:
We cooperate completely with all law enforcement agencies in the pursuit of fraud, with regard to the purchase and use of our products. If you believe your account was fraudulently charged for the purchase price of our product, we will make every effort to aid in a resolution. Before we can take any action, please fax or mail a copy of the official report filed with your local Police or law enforcement agency detailing the suspected fraudulent act and also a copy of the portion of your account statement showing the date and amount of the withdrawal. Please allow us 2 weeks for resolution after we receive the report and statement. Fax: (619-374-2135). Please email us to alert us of any suspected fraud immediately and concurrently with filing your police report. Fraud@renterscredit.com.

Payment Agreement:
I agree to pay $89.95 to initiate and establish a Renter’s Credit Membership.

I understand that Renter’s Credit will report my monthly rental payments to the credit bureaus, assuming the payments can be verified. If a problem occurs verifying my account. I understand Renter’s Credit will contact me at the email I provided.

I understand that the bureau will receive my accurate rental account data.

I authorize Renter’s Credit to charge $89.95 to my credit card or to debit my bank account to cover the Signup Fee. I agree that $89.95 includes my new account, and initial verification. I authorize Renters Credit to charge me a recurring monthly membership fee of $0.00. This fee allows for the use of all services provided by Renter’s Credit (additional fees may apply to certain services or products offered by Renter’s Credit).

I authorize Renter’s Credit to report my monthly rent payments to the credit bureau.

I agree to allow Renter’s Credit to send emails for any payment or account issue.

I agree to allow Renter’s Credit to communicate with my landlord and allow my landlord to provide Renter’s Credit with my accurate rental information needed to service my account.

TERMS & CONDITIONS OF USE AND MEMBERSHIP AGREEMENT
Important: Please read thoroughly before submitting your membership request.

Renter’s Credit, hereafter referred to as RC, specializes in the servicing of rental accounts and the providing of rental data and other transaction information to one, some, or all of the major credit bureaus on behalf of renters/residents/tenants/landlords/property management companies and others. Cross promotion with various financial institutions and partners may provide some members with access to credit cards, auto loans, auto leases, mortgages, student loans and other comprehensive loan programs. However, RC cannot and does not promise that you will obtain any new credit, such as a credit card, auto loan, auto lease, mortgage, student loan or other loan program as a result of the RC services.

RC encourages you to be responsible with your credit in order to maintain and increase your credit profile and credit worthiness. Responsible steps include:
1. Paying any and all bills on time
2. Not applying for more credit than you need, and not exceeding a healthy debt/income ratio.
3. Reporting your rent
4. Avoid collections, bankruptcy, and judgments if possible.
5. Not co-signing on loans or lines of credit for others if it might put you at risk.

RC Member's Access to Partners
Members will also have the ability to participate with partners programs on a voluntary basis. Such involvement or participation is completely voluntary for a member and they will be notified and charged according to their agreement with the Partner.

Your Credit Report:
By joining RC you authorize RC to verify your rent with the appropriate parties and understand that after RC is able to verify your information, your rental data will be provided to the credit bureaus to be added to your Credit Report within 30-160 days that shows your rental payment.
Member agrees to provide RC necessary personal information as required by RC, credit reporting agencies, the Credit Bureaus, and in requesting verification of positive or derogatory credit information from landlord of the member. Please understand that no one, including Renter’s Credit, can add UNVERIFIED, FALSE, or MISLEADING information to your consumer credit profile. INFORMATION CAN BE REMOVED FROM A PERSON'S CREDIT PROFILE ONLY IF THE CREDIT HISTORY IS INACCURATE OR OBSOLETE AND IS NOT CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAU. RC WILL SEEK TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS IF AND TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT.

Permission / Authorization
RC will verify and certify the rental information provided by the member. If RC has a problem verifying your information you will be contacted via email or phone. You may be contacted to verify your participation and that indeed you have given permission to RC to verify your rent. You agree that promptly upon receipt of any correspondence related to the RC service, you will provide permission for RC to access and report such information on your behalf, you will also forward a copy of such correspondence to RC.

Should you deny permission for RC to service you, or fail to provide the required information and communication for RC to service you, you will have forfeited the right to be serviced and will not receive any refund.

Your RC membership is active as long as your account is in good standing with RC. You can always cancel your membership at any time by emailing us at pleasecancel@renterscredit.com.

Member empowers RC, its employees, agents, subcontractors and assignees to perform or engage in any act on behalf of member related to including, without limitation, the right to verify the members rent and information.

The specific acts necessary to accomplish the purpose of this agreement shall be at the sole discretion of RC professional judgment. The specific acts shall require periodic verification of member's rent.

You agree that when you receive any RC email advising you that your account needs viewing, updating or additional information, you will review your account and provide any additional data or assistance necessary.

Further, you shall indemnify RC for any costs, losses, damages or liability for any violation by you of this agreement, including without limitation if you instruct us to verify or add information, which you know to be inaccurate, false or outdated.

DISCLOSURES PERTAINING TO ALL MEMBERSHIP PLANS

Billing
Your membership fee, all recurring monthly fees, and any elective fees or charges will be charged to the credit card or bank card or account that you specified. Payment for the RC services provided to you is made by automatic credit card or debit card debit, or by "e-checks" and you hereby authorize Renter’s Credit’s authorized payment processing agent to transact such payments on your behalf.

In the event RC discovers that services were provided but not billed, RC shall have the right to charge such fees at any time after such discovery. RC will attempt to notify you about any pending unbilled charge before processing the charge. This will be by provided by email or telephone contact if available. If any form of payment you supply is not able to be collected for any reason, RC may elect to cancel the membership application and close the account to further service. From time to time, RC may extend special offers that may waive certain fees.

CHARGE BACKS.
You agree not to report as unauthorized any charge by RC, for any services for which you do not have good reason to believe were, in fact, not authorized by you or someone acting on your behalf or with your permission. If you do believe that a charge was not authorized by you or someone acting on your behalf or with your permission, prior to your initiating any charge back request, at least five business days before initiating such charge back, you will send us written notification containing your name, your Renter’s Credit user ID and a specific statement that you intend to initiate a charge back, and the reason you intend to initiate the charge back.

We take our members and our service very seriously and we hope that if you are ever dissatisfied you will give us the chance to attempt to rectify the situation. You may contact someone about any issue, concern, or complaint at help@renterscredit.com.

Hold Harmless
Any dispute arising hereunder or related to services provided by RC, shall be governed by California law and resolved by binding arbitration under the commercial arbitration rules of the American Arbitration Association. To the extent permitted by applicable law, you hereby waive any right to, and agree not to, join in any class action against RC, its officers, representatives, vendors, or owners. To the extent permitted by applicable law, any liability of RC, hereunder shall be limited to the actual membership fees and charges paid by the member. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, the remainder of this agreement shall continue in effect. THE PARTIES HEREBY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES PROVIDED HEREUNDER, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE. THE PARTIES AGREE THAT ANY OF THEM MAY FILE A COPY OF THIS PARAGRAPH WITH ANY COURT AS WRITTEN EVIDENCE OF THE KNOWING, VOLUNTARY AND BARGAINED-FOR AGREEMENT AMONG THE PARTIES IRREVOCABLY TO WAIVE TRIAL BY JURY AND THAT ANY PROCEEDING WHATSOEVER BETWEEN THEM RELATING TO THIS AGREEMENT OR ANY OF THE CONTEMPLATED SERVICES DESCRIBED HEREIN OR ON OUR WEBSITE SHALL INSTEAD BE RESOLVED BY BINDING ARBITRATION. BY AGREEING TO THESE TERMS AND CLICKING THE "I AGREE" BUTTON, YOU ACKNOWLEDGE THAT THIS AGREEMENT TO ARBITRATE RESULTS IN WAIVER OF YOUR RIGHT TO A JURY TRIAL FOR ANY DISPUTE OR ANY OTHER CLAIM.

You hereby agree to indemnify, defend and hold RC and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants. You shall cooperate as fully as reasonably required in the defense of any claim. RC reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of RC.

This agreement shall be subject to and construed in accordance with the laws of the state of California, excluding its conflict of law principals. If you need to serve us with process, the name and address of our agent for service of process is: Process Agent, Renter’s Credit 2828 University Ave #103 – PMB #257, San Diego, CA 92104. Any dispute arising hereunder or related to services provided by Renter’s Credit shall be governed by the laws of the State of California, and you and RC agree to submit to the personal and exclusive jurisdiction of the courts located within the county of San Diego, California. The failure of RC to exercise or enforce any right or provision of law does not constitute a waiver of such right or provision. To the extent permitted by applicable law, you hereby waive any right to, and agree not to, join in any class action against Renter’s Credit, its officers, representatives, vendors, or owners. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, the remainder of this agreement shall continue in effect. Notwithstanding any other provision in this or any other agreement between the parties, the provisions of this agreement shall prevail in the event of any conflict, and all non-conflicting terms and conditions contained in any other such agreement are incorporated herein by this reference.

RC AND ITS AFFILIATES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN RC WEBSITES FOR ANY PURPOSE. ALL SUCH INFORMATION IS PROVIDED "AS IS" WITHOUT A WARRANTY OF ANY KIND. RC AND ITS AFFILIATES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL RC OR ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES (OR, WITH RESPECT TO USE OF INFORMATION CONTAINED ON RC OR ITS AFFILIATE'S WEBSITES, ANY DAMAGES WHATSOEVER), INCLUDING THOSE RESULTING FROM DELAY, INACCURATE INFORMATION OR DATA, LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTUOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION CONTAINED IN RC OR ITS AFFILIATES WEBSITES, OR FROM RC PROVIDING THE SERVICES HEREUNDER.

You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction.

Final Digital Signature: The Federal E-Sign Act (HR-1714):

The E-Sign Act grants electronic signatures and documents equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you are certifying that your digital signature is the equivalent of your handwritten signature. Furthermore, you agree that you have read all of the agreement and are agreeing to and signing each section of this Membership Agreement with your digital signature. You further agree that you understand the agreement and have read "Your Rights as a Consumer". Your "Internet Protocol" address will be used, tracked, and kept, as the physical representation of your desire to be serviced by RC and your agreement to these terms and our privacy policy.

The term of this agreement is for one year from the date of sign-up, and shall terminate in 12 months. You will be notified and given the opportunity to continue  service for another year at additional cost. RC is not liable for any changes in your credit profile, which have an adverse affect on your credit rating. RC is not liable for the actions of any companies in partnership with, or which provide services at the request of RC.

You are welcome to contact us at anytime with any questions or concerns.