FrontLobby rewards responsible Tenants.

Tenants use FrontLobby to get the credit and rental property they deserve. A membership with FrontLobby grants Tenants the ability to get credit for paying rent on-time, improved credit report, build a positive Tenant Record, and even skip the line when choosing their next home.

With FrontLobby Tenants can see an increase on their Credit Report of 40+ points.

“We want to help responsible tenants unlock and access future credit-related rewards” Zac Killam, co-founder FrontLobby.

With FrontLobby rent payments can be shared with Equifax and Landlord Credit Bureau and will be reflected on a Tenant’s Credit Report and Tenant Record. 

As people build credit, they can gain better access to mortgages, qualify for lower fees and interest rates on credit cards, and access other lines of credit. These advantages create new opportunities and make it easier to accumulate wealth.

Building good credit takes time, consistency, and a combination of credit accounts with solid financial habits.

Historically, Tenants have not received credit for their largest monthly payment of all, which is their rental payments.

When rent payments are reported as a tradeline on a Tenant’s Credit Report, they can build good credit and unlock credit related rewards faster.

Landlords often find themselves faced with multiple applicants for highly desired properties. In such cases, the deciding factor often comes down to something concrete and quantifiable like credit history. Unfortunately, renting to someone with little or no credit history can pose known and unknown risks and challenges for landlords.

This means many renters find themselves in a tough spot, especially those who are new to credit or new to the country.

Fortunately, an LCB Tenant Record allows renters to demonstrate a positive track record of paying rent even if they have a poor credit score. When Landlords and Tenants report rent payments to Landlord Credit Bureau, Tenants can build a positive Tenant Record, allowing future landlords to evaluate prospective Tenants on more than just credit scores.

If you find any inaccuracies on your Landlord’s internal records or other information submitted to the Credit Bureaus through FrontLobby, please complete our dispute form and submit it to support@staging.dev.frontlobby.com

The dispute form with instructions can be found here.

Alternatively, if you have concerns regarding details on your Credit Report that are not related to rental data or believe you have been the victim of Identity Theft or Fraud, please reach out to the appropriate Credit Bureau directly.

For individuals in the US, you can read more about your rights under the FCRA here.

Additional details from the Consumer Finance Protection Bureau can be found here.

FrontLobby aims to facilitate proactive and positive conversations between Landlords, Property Managers and Tenants. When applicable, we encourage all parties to work towards a mutually agreeable payment plan.

If a payment plan is in place and a Tenant is paying according to the plan, no debts may be reported to the Credit Bureaus. Payments according to the payment plan should be recorded as being paid on time and the Tenant can use them to build their credit. However, if a Tenant stops paying according to the payment plan, the total outstanding debt may be recorded.

If a Tenant believes a debt is being reported when there is a payment plan in place, please follow our dispute process outline here. When submitting please attach a copy of the payment plan signed by both parties and proof of payment.