CredHub
CredHub is a Spokane-based fintech that reports tenant rent payments monthly to all four major U.S. credit bureaus, helping property managers reduce delinquency by up to 50% while enabling residents to build credit through on-time rent, with native integrations to 15+ property management software platforms.
- Company typePrivate
- Founded2018
- HeadquartersSpokane, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What CredHub does
CredHub is a Spokane, Washington-based private fintech company founded in 2018 that provides rental payment credit reporting services to property managers, landlords, franchise operators, and residents across the U.S. and Canada. The company operates a Metro 2-compliant platform that reports monthly rent payment data to all four major U.S. consumer credit bureaus — Equifax, Experian, TransUnion, and Innovis — with a differentiating feature of reporting both on-time and late or missed payments, unlike most competitors that report positive payments only. The platform integrates natively with 15+ major property management software systems including Yardi (Breeze and Voyager), MRI Software, Rent Manager, Buildium, AppFolio, Entrata, RealPage, PropertyWare, and ResMan, enabling automated monthly data extraction and bureau-specific format adaptation.
CredHub monetizes primarily through per-unit subscription fees structured across two tiers: Basic (single or three-bureau positive-only reporting) and Complete (three-bureau positive and negative reporting with dedicated customer success management). The company also operates a developer-facing Credit Reporting as a Service (CRaaS) API for platform service providers, and offers ancillary products including a California compliance module for SB 1157 and AB 2747, and resident benefit packages bundling Allstate-powered identity protection. Go-to-market combines direct sales to property managers (with a 50-unit minimum), channel partnerships through PMS integrations, and B2B2C distribution where property managers offer CredHub as a resident amenity. The company reports up to 50% reduction in rent delinquency among users, with resident FICO score improvements of 43-100+ points, and targets a 44-million-rental-household U.S. addressable market where less than 15% of rent payments are currently reported to credit bureaus annually.
CredHub is led by CEO Steve Jarvis and CTO Tony Milne, has raised $524,999 in disclosed funding (March 2023), and operates from its Spokane headquarters at 8615 N. Division St.
CredHub firmographics
Firmographics- Name
- CredHub
- Legal name
- CredHub Inc
- Website
- https://credhub.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CredHub is a Spokane-based fintech that reports tenant rent payments monthly to all four major U.S. credit bureaus, helping property managers reduce delinquency by up to 50% while enabling residents to build credit through on-time rent, with native integrations to 15+ property management software platforms.
- Ownership category
- akta.pro rank
Where CredHub is headquartered
LocationHeadquarters
- HQ city
- Spokane
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CredHub business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Per-Unit Subscription Fee: CredHub charges a per-unit fee for credit reporting and ID theft protection services. Property owners/managers can charge a slightly higher fee to residents for providing these amenities, creating a new revenue stream. The pricing is custom based on program features selected (Basic vs Complete).
- Platform Licensing (CRaaS): Credit Reporting as a Service (CRaaS) platform licensing for developers and platform service providers to integrate rent reporting into their applications, creating a new revenue stream for platform providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic - Single or Three Bureau Positive-Only Reporting |
| Subscription | Monthly | Complete - Three Bureau Complete Reporting |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
CredHub product offering
Product offeringCore offering
CredHub is a rent payment credit reporting platform that enables property managers and landlords to submit resident rental payment data to all four major U.S. credit bureaus (Equifax, Experian, TransUnion, Innovis) using Metro 2 standards, including both on-time and late payments. The offering is delivered through a SaaS dashboard, a developer-facing CRaaS API, and integrations with leading property management software, helping property managers reduce delinquency while helping renters build credit history.
Product overview
CredHub is a rental payment credit reporting platform offering two main service tiers: Basic Credit Reporting (positive-only to three bureaus) and Complete Credit Reporting (positive and negative payments to all major bureaus). The platform integrates with major property management software systems including Yardi, Rent Manager, Buildium, MRI Software, Entrata, RealPage, PropertyWare, and others. Additional offerings include California compliance solutions for SB1157/AB2747 mandates, resident benefit packages with Allstate identity protection, and a developer-facing Credit Reporting as a Service (CRaaS) API for platform integrations. The platform uses Metro 2 standard format for credit bureau reporting.
Differentiator
Problem solved
Functional benefit
Products and services
- Basic Credit Reporting Basic tier rent payment credit reporting that submits resident on-time rental payment data to the credit bureaus to help residents build positive credit history.
- Complete Credit Reporting Complete tier that reports both positive AND negative rental payments to all four major U.S. credit bureaus, giving property managers a stronger tool to reduce delinquency.
- California Compliance Reporting California-compliant rent payment credit reporting offering tailored to California-specific credit reporting regulations.
- Resident Benefit Packages Resident Benefit Package program enabling property managers to bundle rent credit reporting and other amenities for residents, with billing rolled into rent.
- Credit Reporting as a Service (CRaaS) Developer-facing API product that allows property management software vendors and other partners to integrate CredHub's rent credit reporting capability into their platforms.
- Property Management Software Integrations Pre-built integrations with major third-party property management software (PMS) platforms so property managers can enable rent credit reporting from within their existing systems.
Quantifiable outcome
- 50% reduction in rent delinquency
- +3 more outcomes
Companies that use CredHub
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles2 records
CredHub technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
Feature6 records
CredHub partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- Real Property ManagementcoreStrategic partnership to provide rental payment credit reporting solutions tailored specifically for franchise owners. Combines Real Property Management's franchise network with CredHub's credit reporting platform to help franchise owners build resident credit while improving collection rates.
- MRI SoftwarecorePartnership with MRI Software for property management integration. Blog post titled 'How CredHub's New Partnership with MRI Software Is Changing the Game for Property Managers' highlights seamless integration capabilities.
- Rent ManagercoreNative integration partnership. United Properties of West Michigan case study demonstrates CredHub + Rent Manager integration reducing staff time to under 15 minutes monthly and increasing collection rates to 99%.
- YardicoreIntegration with Yardi Breeze and Yardi Voyager property management platforms.
- EntratacoreIntegration with Entrata property management platform.
- BuildiumcoreIntegration with Buildium property management platform.
- PropertyWarecoreIntegration with PropertyWare property management platform.
- RealPagecoreIntegration with RealPage property management platform.
- ResMancoreIntegration with ResMan property management platform.
- TransUnioncoreCredHub is credentialed to report to TransUnion. TransUnion accepts late and skipped payments as a factor in resident credit scores.
- EquifaxcoreCredHub is credentialed to report to Equifax. Equifax accepts late and skipped payments as a factor in resident credit scores.
- ExperiancoreCredHub is credentialed to report to Experian.
- InnoviscoreCredHub is credentialed to report to Innovis.
- National Association of Residential Property Managers (NARPM)minorCredHub sponsors the NARPM NC Property Management Conference as a marketing and networking partnership.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
CredHub competitors and assessment
Company assessmentBroad incumbents
- AppFolio: AppFolio is a leading property management software platform for mid-market and enterprise landlords and is a CredHub integration partner. It is a broad incumbent in the PMS space with the option to bundle native rent reporting for its installed base.
- RealPage: RealPage is a major property management software platform serving multifamily and single-family rental operators and is a CredHub integration partner. As a broad incumbent, it has the scale, customer base, and product surface to either deepen or commoditize the rent reporting integration.
- Yardi: Yardi is one of the dominant property management software platforms (Yardi Breeze and Voyager) and a key CredHub integration partner. It is a broad incumbent in the PMS market and a potential disintermediator if it ships native rent reporting as a built-in feature.
Direct peers
- Esusu: Esusu is the most prominent direct competitor in rent payment credit reporting, working with property owners/managers to report on-time (and increasingly negative) rental payments to the major credit bureaus. Both CredHub and Esusu serve property managers and renters with bureau-reported rental tradelines and pursue PMS integration strategies.
- RentReporters: RentReporters is a consumer-facing rent reporting service that reports rental payments to credit bureaus, often in partnership with property managers. It directly overlaps CredHub's core offering of turning rent payments into credit history, though its GTM skews more consumer/DIY versus CredHub's B2B2C property-manager-led motion.
- LevelCredit: LevelCredit is a rent reporting platform that enables renters to build credit through reported rental payments and works with property managers as distribution partners. Like CredHub, it reports to the major bureaus and pursues similar B2B2C economics, making it a direct comparable.
- RentTrack: RentTrack reports rental payments to all three major credit bureaus and serves both renters and property managers with a similar bureau-reporting workflow as CredHub. Its product scope and customer base are tightly aligned with CredHub's rental tradeline offering.
Emerging players
- Extra (rent reporting fintech): Extra is a credit-building debit card and fintech that has expanded into rent reporting. It overlaps CredHub at the credit-building intersection but is broader in scope (debit, savings, rewards) and serves a more consumer-led motion.
- Self: Self is a credit-building fintech offering credit-builder loans and a secured card, and has moved into rent reporting partnerships. It is adjacent rather than direct — overlapping on the 'renters building credit' use case but with a different primary product surface.
- Pinata: Pinata is a fintech focused on helping renters access housing and build credit, with rent reporting as part of its offering. It overlaps CredHub's resident-facing credit-building mission but takes a more consumer-mobile-first approach to distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CredHub social profiles
Digital presenceCredHub compliance and trust
Trust signalCompliance2 records
CredHub financial estimates
Financial estimateRevenue estimate
Valuation estimate
CredHub leadership team
Management profileNumber of profiles
Profiles2 records
CredHub funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CredHub M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CredHub
What does CredHub do?
CredHub is a rent payment credit reporting platform that enables property managers and landlords to submit resident rental payment data to all four major U.S. credit bureaus (Equifax, Experian, TransUnion, Innovis) using Metro 2 standards, including both on-time and late payments. The offering is delivered through a SaaS dashboard, a developer-facing CRaaS API, and integrations with leading property management software, helping property managers reduce delinquency while helping renters build credit history.
Is CredHub a public or private company?
CredHub is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CredHub founded?
CredHub was founded in 2018. It employs 11 to 50 people.
Where is CredHub based?
CredHub is headquartered in Spokane, United States, in the North America region.
How does CredHub make money?
Two revenue lines are on record. Per-Unit Subscription Fee is the primary driver. The others are platform Licensing (CRaaS).
Who are CredHub's main competitors?
Broad incumbents on record are AppFolio, RealPage and Yardi. Direct peers are Esusu, RentReporters, LevelCredit and RentTrack. Emerging players are Extra (rent reporting fintech), Self and Pinata.
Does CredHub have an API?
Yes. CredHub Credit Reporting as a Service (CRaaS) is a Credit Reporting SaaS platform that allows developers and platform service providers to integrate rent reporting into their applications. This can be helpful for property management systems, payment portals, or any company that has access to residential rental data. The platform uses the Metro 2 standard format for credit reporting and automates the process of generating Metro 2 files, adapting to formatting changes required by different bureaus. Supports all company types, status and type codes, comment codes, compliance condition codes, Consumer Information Indicators, 24-month payment history, and all appended segments including up to 6 co-signers/co-makers. Developer documentation is at credhub.com/developers.