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
Debt Reporting to Credit Bureaus

Remove the Stress of Rent Debt

Credit Bureau Collections Can Help You Recover Debts From Former Tenants


Stop Chasing

Former Tenants are motivated to contact you when they are informed of the debt on their credit.


Report Anytime

Report rent not paid to the Credit Bureaus easily and on your own schedule, day or night.


Stay Organized

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

Get Started

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

Testimonial Stars
Jason R <br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 23rd, 2021 </span>
Jason R
May 23rd, 2021
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This will allow our great customers to build their credit score faster by paying rent in a timely manner during their tenancy. #propertymanagement #mb #realestate #bdnmb #multifamily
Candice R <br> <span style="font-size: 18px; line-height:15px; font-weight:300;">April 20th, 2022 </span>
Candice R
April 20th, 2022
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I'm asking my landlord to sign up for this currently!! I've been paying on time and in full for 3 years, I'd love it to go towards my credit score.
Bruce A<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">September 22nd, 2022 </span>
Bruce A
September 22nd, 2022
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Your services are admirable. FrontLobby provides a great service to any that might be lacking a credit record, and I would not hesitate to refer anyone to FrontLobby.
Kim C <br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 2nd, 2020 </span>
Kim C
June 2nd, 2020
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East Vista Management has recently implemented the services of FrontLobby to help tenants build their Tenant Record and the feedback has been incredible! #tenantrelations #creditrating
Sarah V<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">November 19th, 2021 </span>
Sarah V
November 19th, 2021
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This is the best way to reward great tenants who pay their rent on time. This system is easy to use and is very effective at deterring non paying tenants.
Dainard Homes<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 11th, 2021 </span>
Dainard Homes
May 11th, 2021
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It has worked wonderfully for us, and our current tenants are excited to have their credit scores improving …. Former tenants paid their overdue amounts expeditiously ….
Tao Z<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">August 20th, 2022 </span>
Tao Z
August 20th, 2022
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I was delighted that you guys have brought such a positive change to this industry to allow landlords and tenants to work together to build their great credit and future, while landlords feel much more secure.
Cory J<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 6th, 2022 </span>
Cory J
June 6th, 2022
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I've purchased a home and no longer rent.
Jeffery L<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">November 20th, 2021 </span>
Jeffery L
November 20th, 2021
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It totally works. A previous tenant paid the owing rent even though they have moved our as it is reported on their credit bureau.
Wyatt B<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 2nd, 2020 </span>
Wyatt B
March 2nd, 2020
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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.
Alex<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">May 25th, 2021 </span>
May 25th, 2021
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Thanks, it's already starting to work. The tenant reached out after disappearing for months.
Yoan<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">June 2nd, 2021 </span>
June 2nd, 2021
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I have subscribed to your service. I have seen an increase in my credit report the first months.
Sean M<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">March 6th, 2021 </span>
Sean M
March 6th, 2021
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I use it and love it. Since I added it to my tenants lease, they haven't been late once. Prior to this, they were late every month by roughly a week. God send!
Nikhil A<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">October 29th, 2022</span>
Nikhil A
October 29th, 2022
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I have built up a decent credit file by now that has enabled me to access all the credit I need. Thank you for your co-operation!
Bonnie W<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">January 31st, 2022</span>
Bonnie W
January 31st, 2022
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Intuitive platform for reporting lease payments (late as well as on time) plus easy to use tenant screening. This one package replaces two other subscriptions.
Douglas M<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">September 9th, 2022</span>
Douglas M
September 9th, 2022
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One stop shop for screening and maintaining tenant financial responsibility.
Jagdeep G<br> <span style="font-size: 18px; line-height:15px; font-weight:300;">December 7th, 2022</span>
Jagdeep G
December 7th, 2022
Read More
I’m glad I signed up for FrontLobby as it made conducting background checks simple and automatic monthly rent reminders minimize rent payment issues.

+ We are committed to earning 6 out of 5 stars from our members.

Landlord Tenant Debt Collection FAQ

If You Still Have Questions, Visit Our Help Center Anytime

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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