Integrating Credit Building Data in Aptly

Aptly Rent Reporting, powered by CredHub, helps property managers offer residents a valuable credit-building benefit while encouraging on-time rent payments and reducing unpaid balances.

With Complete Reporting, both positive and negative rent payment history can be reported to participating credit bureaus. This gives residents the opportunity to build credit through on-time payments while providing property managers with an additional tool for managing delinquency and collections.

For many residents, rent is their largest monthly expense. Reporting on-time rent payments allows eligible residents to build their credit history through payments they're already making.

When residents understand that payment history may be reported to credit bureaus, it can encourage more consistent, on-time rent payments. Reporting can also provide additional leverage when collecting outstanding balances after move-out.

Many property managers include rent reporting as part of a Resident Benefit Package (RBP) and charge a monthly fee for participation.

CredHub manages resident questions, disputes, and bureau-related inquiries directly, so your team does not need to work with credit bureaus or handle reporting disputes.

In addition to rent reporting, you can offer residents identity theft protection through Allstate.

This service includes:

The onboarding process typically takes 10–15 minutes of active participation from your team.

After enrolling in the program, you'll receive a scheduling link to meet with a CredHub onboarding specialist.

During this call, you'll:

After the kickoff call, you'll receive access to a secure onboarding portal where you'll upload the documentation required by participating credit bureaus.

Depending on your business structure, you may be asked to provide:

One of the following:

A copy of your standard property management contract used with property owners.

A copy of your standard lease agreement.

Your Rent Reporting subscription includes reporting to:

CredHub handles most of the credentialing process. You may be asked to complete a brief form or confirmation during onboarding.

Experian may require additional documentation and could request a virtual site inspection of your office before approving reporting access.

Before reporting delinquent rent balances, current residents must receive a 30-day notice.

To help simplify this process, CredHub provides customizable marketing and compliance materials, including:

These materials can be customized with your company branding before distribution.

After onboarding is complete, monthly reporting typically takes 5–15 minutes to review and submit.

Resident data is automatically synced from your property management software, making your accounting ledger the source of truth for reporting.

When your reporting window opens, you'll review residents in two categories.

Residents with balances more than 30 days past due are considered delinquent by credit reporting standards.

If reported, the delinquency may remain on the resident's credit history for several years.

You can choose not to report a resident if:

Simply remove the balance from reporting before submission.

These residents have unpaid balances but are not yet considered delinquent for credit reporting purposes.

Reporting these balances may temporarily affect a resident's credit profile. Once the balance is paid and a future report is submitted, the impact is removed.

If a reporting error is discovered after submission, CredHub can assist with corrections.

Examples include:

CredHub can reset reporting periods when appropriate and work directly with participating credit bureaus to submit corrections.

Property managers enrolled in a Positive-Only reporting program may be eligible for Auto-Submit.

With Auto-Submit enabled:

Contact your onboarding specialist if you'd like to discuss Auto-Submit eligibility.