How you join
You join by signing the rent reporting consent in your lease addendum, at your property office. Your rent is not reported unless you sign it.
Joining and opting out have no effect on your lease.
What we report
Once a month, to Experian, for the months you are enrolled:
- Your name and Social Security number, to match the payment to your credit file.
- Your rental address and unit.
- The date you enrolled, and your move-out date when you leave.
- The amount and date of each on-time rent payment.
What we never report
- Late or missed payments. A missed month is not reported at all.
- Balances in collections.
- Evictions.
- Fees and other charges, such as parking or utilities.
- Rent paid for you by a housing agency. Only the part you pay is reported.
- Income, benefits or household information. We never collect it.
Opt out
Opt out at any time, at no cost. Tell your property office, or use the form below.
What happens next
- We leave you out of the next monthly file to Experian and every file after.
- We confirm by email, or by mail to your unit.
- Rent already reported stays on your credit report unless it is inaccurate.
- To rejoin, sign a new consent at your property office.
Opt-out form
Dispute
If something we reported is wrong, tell us. We investigate and answer in writing within 30 days.
- 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.
How we protect your data
Your data is kept in one secured system. Only named staff can reach it, with multi-factor sign-in. It is encrypted where it is stored and when it is sent to Experian.
It is used only to report your rent to Experian and to handle opt-outs and disputes. It is never sold.