Landlord Credit Bureau

What Landlord Credit Bureau does

Landlord Credit Bureau (LCB), founded in 2012 and headquartered in Seattle, WA (with a Toronto, Canada presence), is a privately held for-profit Consumer Reporting Agency dedicated exclusively to the rental housing industry. Its core product is the Tenant Record — a database of identity-verified rental histories capturing on-time/late payments, debts, inquiries, and verified landlord contact information — operated under FCRA (U.S.) and equivalent Canadian frameworks. LCB does not serve end users directly; all landlord and tenant signups, rent reporting, tenant screening, and debt reporting flow through FrontLobby, its exclusive data contributor and reseller sister entity spun out in October 2021. Verified rent data flows into LCB's Tenant Records and, via a strategic Equifax integration (announced 2020), surfaces as rental tradelines on tenants' Equifax consumer credit reports in both the U.S. and Canada.

LCB's technology stack is a regulated cloud-based CRA platform hosted on Amazon Web Services, using Amazon RDS encryption at rest, TLS/SSL in transit, bcrypt password hashing, identity verification, and FCRA-compliant furnisher and dispute-resolution workflows with 6-year (Canada) and 7-year (USA) data retention. Surrounding the Tenant Record core, four user-facing modules are delivered through FrontLobby: Rent Reporting (primary credit-building service), Tenant Screening (Equifax credit report plus LCB Tenant Record at $9.99/report), Debt Reporting (recovery of unpaid rent via bureau reporting), and Credit Building (tenant-facing counterpart to Rent Reporting).

LCB's business model is a mix of transaction fees and recurring subscriptions routed through FrontLobby: $9.99 per tenant credit check (sold via FrontLobby) and undisclosed landlord-facing rent-reporting subscriptions, with free tenant record access and dispute workflows supporting FCRA compliance and trust. Customers are segmented as landlords/property managers (primary, SMB to enterprise) and tenants (primary, including credit-invisible, thin-file, and newcomer renters), with future landlords as a secondary screening segment. Distribution is entirely channel-mediated (FrontLobby self-serve and Equifax tradeline visibility), supplemented by content marketing, organic social, and earned media. Stated outcomes include a 36% decrease in landlord delinquencies, a 68% tenant preference for rent-reporting properties, and $11,000 average savings per avoided eviction.

Name

Landlord Credit Bureau

Legal name

Landlord Credit Bureau

Website

https://landlordcreditbureau.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Landlord Credit Bureau is a U.S./Canada Consumer Reporting Agency dedicated to the rental housing industry, operating Tenant Records and FCRA-compliant rent reporting delivered through sister platform FrontLobby, with verified rent data surfaced via Equifax credit reports.

Ownership category

akta.pro rank

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Tenant credit check fees (via FrontLobby): FrontLobby resells tenant credit checks at $9.99/report; each report includes a detailed Equifax credit report with credit score plus a Tenant Record from Landlord Credit Bureau. Transaction-based pricing per pull.
2. Landlord rent-reporting subscription (via FrontLobby): Landlords pay FrontLobby for ongoing rent reporting, tenant screening, and debt reporting services that flow rental history data into LCB Tenant Records. Landlord-specific pricing is not publicly disclosed on the LCB site and is referenced as 'Visit FrontLobby.com to learn more about pricing options.'
3. Tenant record access (free): Tenants can view their Tenant Record free of charge by submitting a Record Request Form and identity verification — no direct revenue from this stream; serves as a regulatory and trust-building function.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Landlord Credit Bureau is a consumer reporting agency (CRA) that accepts verified rental history data and maintains a database of Tenant Records containing on-time/late payment histories, identity-verified landlord contacts, and rental debts. It enables landlords to screen tenants using rental data not available through mainstream credit bureaus, and supports tenants in building credit history through reported rent payments, with all customer-facing distribution handled through sister company FrontLobby.

Product overview

Landlord Credit Bureau (LCB) is a single-purpose credit reporting agency — a dedicated Credit Bureau for the rental housing industry — built on a platform-plus-modules architecture. The core data asset is the Tenant Record, a database of identity-verified rental history (payment history, landlord contacts, inquiries, debts) that LCB maintains and exposes to landlords for screening and to tenants for review and dispute. Surrounding this core, four user-facing modules are delivered through LCB's exclusive data contributor and reseller partner FrontLobby: Rent Reporting (the primary credit-building service that reports on-time rent to LCB and Equifax), Tenant Screening (credit + LCB Tenant Record reports for landlords), Debt Reporting (recovery of unpaid rent via credit bureau reporting), and Credit Building (the tenant-facing counterpart to Rent Reporting). Together, these components form a unified rental-credit ecosystem in which verified rent data flows from landlords/tenants via FrontLobby into LCB's Tenant Records database and back out as credit-bureau tradelines and screening reports.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 36% decrease in delinquencies reported by landlords using LCB
• +5 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• FrontLobbyflagshipChannel Partner/ Reseller/ DistributorFrontLobby is LCB's exclusive data contributor and reseller. All landlord and tenant rent reporting, tenant screening, debt reporting, and credit building flows through FrontLobby's platform; LCB does not directly serve end users. The two companies are part of the same umbrella organization — in October 2021 the LCB organization re-branded some services under FrontLobby so each company could focus on its core function.
• EquifaxflagshipTechnology or IntegrationStrategic integration that allows LCB-collected rent payment data to be reflected on tenants' Equifax consumer credit reports and scores. Equifax Canada and FrontLobby completed the first rental tradeline study (Sept 2022). LCB positions itself as complementary to Equifax for rental-housing screening rather than a replacement.
• Amazon Web Services (AWS)coreTechnology or IntegrationLCB hosts all customer data on AWS using Amazon RDS Encryption (encrypted at rest, including backups and replicas). AWS data centers provide physical security, intrusion detection, firewalls, and patched hardened operating systems; LCB leverages TLS/SSL for data in transit and bcrypt for password hashing.

Scale indicators9 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• FrontLobby: FrontLobby is LCB's wholly-owned subsidiary and exclusive data contributor and reseller platform through which landlords and tenants sign up for rent reporting and screening. It is the direct customer-facing complement to LCB's credit bureau infrastructure.
• Esusu: Esusu is a leading rent-reporting platform that helps renters build credit through on-time rent payments reported to all three major credit bureaus. It competes directly with LCB/FrontLobby on the same core use case of converting rent into tradeline data for credit building and tenant screening.
• Pinata (formerly RentTrack): Pinata (formerly RentTrack) is a rent reporting service that enables tenants to build credit history by reporting monthly rent payments to major credit bureaus. It is a head-to-head competitor on rent-to-credit tradelines.
• LevelCredit: LevelCredit is a rent-reporting service that reports verified on-time rent payments to TransUnion, Equifax, and Experian. It overlaps directly with LCB's rent-reporting-to-credit-bureaus product.
• RentReporters: RentReporters is a consumer-facing rent-reporting service that reports rent payments to credit bureaus to help tenants build credit. It serves the same credit-invisible and thin-file renter segment targeted by LCB/FrontLobby.
• TransUnion SmartMove: SmartMove is TransUnion's tenant screening service that lets landlords pull credit reports and background data on prospective renters. It is a direct competitor to LCB's tenant screening product, leveraging one of the three major credit bureaus' data.

Emerging players

• Rental Kharma: Rental Kharma is an earlier-stage rent-reporting service focused on helping tenants build credit through reported rent payments. It targets the same credit-building use case as LCB but with a narrower geographic and bureau footprint.
• Cozy (by Apartments.com / CoStar): Cozy is a tenant screening and rent payment platform serving independent landlords, with overlapping screening and rent-collection functionality. It competes with LCB/FrontLobby in the small-landlord screening workflow.

Broad incumbents

• Experian: Experian is one of the three major U.S. credit bureaus and is referenced within LCB's rental screening framework. As a broad incumbent, Experian offers overlapping tenant screening and increasingly rent-reporting capabilities as part of its wider data portfolio, posing both a partnership and competitive threat.
• Equifax: Equifax is LCB's flagship integration partner, allowing LCB-collected rent data to flow into Equifax credit reports and scores. As a major credit bureau, Equifax is both LCB's most important channel for tenant credit-building value and a potential competitor if it expands native rent reporting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bureaulandlord
• Facebookfacebook.com/LandlordCreditBureau
• LinkedInlinkedin.com/company/landlord-credit-bureau

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Landlord Credit Bureau