1. Consent
Your property works with RateLoft LLC to report on-time rent payments to Experian. Your rent is reported only if you sign the consent.
If you consent, RateLoft collects from your property and reports to Experian:
- Your name and Social Security number.
- Your rental address and unit.
- Your enrollment date and move-out date.
- The amount and date of each on-time rent payment.
2. What is not reported
Late or missed payments, balances in collections, evictions, fees and other charges, and rent paid for you by a housing agency are not reported. A missed month is not reported at all.
3. Cost
There is no cost to you. Joining or opting out has no effect on your lease or your tenancy.
4. Opting out
You can opt out at any time, at no cost. Contact your property office, or use the opt-out form.
RateLoft stops reporting your rent starting with the next monthly file to Experian. Months already reported stay on your credit report unless they are inaccurate. To rejoin, sign a new consent at your property office.
5. Disputes
To dispute information RateLoft reported about you, contact RateLoft:
- Online
- rateloft.org/dispute
- notices@flagstonegrp.org
- RateLoft LLC
300 Delaware Ave, Ste 210 #485
Wilmington, DE 19801 - Phone
- Toll-free line: 866-669-3605. Recorded message only. It takes no calls or messages.
RateLoft investigates and answers in writing within 30 days, or 45 if you send more information. You can also dispute directly with Experian.
6. Your data
RateLoft uses your data only to report your rent to Experian and to handle opt-outs and disputes. It is never sold. See Privacy and Data Security.