💳 Your Delinquency Problem Has a Fix. We Already Did the Vetting.

Here's a scenario you know well. A resident pays on the 11th instead of the 1st, most months. You post the notice, send the text, your team eats the hours. And the frustrating part is that it usually isn't about money or character — there's just nothing linking the date they pay to anything that matters in their life. Their rent is the biggest payment they make every month, and right now it's counting toward nothing.

We run a student-rental-heavy portfolio, so for us that's a building full of first-time renters — young people building their financial life from zero, whose on-time rent has never once shown up anywhere it could help them. Fix that, and paying on time suddenly works in their favor and yours at the same time. Which is why it should bother you that fewer than half of property managers do it. While most PMs know they can report rent to the credit bureaus, only about 40 percent actually do.

So let me walk you through whether you need this, why we landed on CredHub specifically, and exactly how to start — including why it costs you less to get it through us than to sign up on your own.

🤔 Do you actually need it?

Quick gut check. If any of these are true, the answer is yes:

1. You've got residents who pay a little late and nothing links the due date to anything that matters to them.
2. Your portfolio is turnover-heavy or student-heavy, where residents are young and credit-thin.
3. Your owners keep asking how you're going to bring delinquency down.
4. You want an amenity that makes your listings more attractive than the building down the street.

And if you're worried about the owner conversation — this is one of the easiest yeses you'll ever bring them. It reduces delinquency at no cost to the owner, it can be structured so the resident funds it, and it makes their asset more competitive. You're not asking them to spend money. You're handing them lower delinquency and better-quality applicants.

🎯 Why CredHub specifically

There are a handful of rent reporting tools out there, and most share the same flaw: they only report the good months. On-time payments show up, late ones quietly disappear. Which means a resident who pays a little late sees no difference either way — nothing they do lands anywhere.

CredHub reports both. On-time and missed payments, every month, to the major credit bureaus. Once paying on time actually builds a resident's credit — and a missed one is visible too — the incentive finally points the same direction for both of you. That's the whole engine. On top of that, it's credentialed across the major bureaus, it works with any property management software, and it gives you room to be fair: you set the pull date and a threshold for what counts as negative, and you can mark any individual resident neutral for a month with a couple of clicks — so someone who hit a rough patch and worked out a plan with you isn't dinged for it.

📊 You don't have to take my word that it changes behavior. TransUnion found nearly 80 percent of renters are more likely to pay on time when their payments are reported, and 57 percent are more likely to rent from a property manager who offers it. And it genuinely helps your residents — since 2014, FICO has counted rental data in its newer scoring models, so on-time rent can move the number the same way a mortgage does. A TransUnion analysis found 80 percent of renters who had rent reported saw their scores go up.

📉 CredHub reports its clients see an average of up to a 50 percent reduction in late payments once it's fully implemented. Fewer notices, fewer awkward conversations, revenue landing on the first instead of the eleventh.

For us, it earned its keep most during the pandemic. That was the stretch where the usual tools all went away at once — eviction was off the table, everyone was stretched thin, and collecting rent got harder than it had ever been. What held things steadier for us was that our residents still had a real reason to keep rent a priority, and the ones who paid through that mess actually got something lasting out of it: they were building credit at the exact moment a lot of people's credit was taking a beating. It carried both sides through a rough year, and that's when it stopped being a nice-to-have and became something we wouldn't run without.

💰 Why get it through PMAdvisor instead of signing up direct

Simple: you get better pricing through us than you'd get on your own. Because we bring the combined volume of every PM company we work with, our clients get a better rate than CredHub's standard retail pricing. The bigger your portfolio, the wider that gap gets, and it comes off the top every month you report. We don't take a referral or a cut on any of it — you just pay less than you would walking in the door yourself.

Before you even get to pricing, there are two things we'll check for you:

📦 Do you already have a resident rewards package? If you do, we'll look at where rent reporting fits into it. If you don't, that's the more valuable conversation, and we'll help you build one.

📄 What does your management agreement actually allow? Before you add a fee like this, it needs to line up with what your agreement says you can charge owners and residents. Send it over and we'll check it, so you're not adding something you're not covered to charge for.

Reach out to us first for the pricing, then CredHub takes it from there — they handle the setup, the technical integration, and walk you through the specifics directly.

🚀 How you start

It's not complicated, but it's not a same-day flip either, so here's the honest path:

1. Reach out to your VA team lead or Greg. We'll confirm it's a fit for your portfolio, check your rewards package and management agreement, and get you our pricing. There's a fifty-unit minimum to get started — if you're managing more than fifty doors, you're in.
2. CredHub takes over the setup — the integration, the resident-facing disclosures, and the technical side.
3. CredHub establishes your tradeline with the bureaus, which takes about three to six weeks.
4. You're live. Delinquency drops and your residents build credit at the same time.

The first person to reach out to is us. Reply to this post and we'll get you connected with the team and a setup timeline that fits your turnover calendar.

🤝 This is what we do

Bottom line: we go get deals like this for our clients, and we'll keep doing it. We don't take a referral or a kickback on any of it. You just get a better rate than you'd get on your own. What we get back is your loyalty and a partnership that lasts.

And if you're already a client, PMAdvisor is free to you. Ignore the pricing on pmadvisor.ai — that number just shows what the service is worth. You don't pay it.

🔎 Tell me who we should vet next — the vendor or software you've been curious about but haven't had time to chase down. Reply with the names. I'll take the meetings, ask the hard questions, and bring you the straight answer.

To learn more or get started, reach out to your VA team lead or Greg — that's all it takes to kick this off.

Your success is the whole point of us. 🙌

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