Rent reporting
Nothing is being sent to a credit bureau today. Seayora holds no furnishing agreement with Equifax, Experian, TransUnion or anyone else. If you opt in, Seayora records your consent and builds your settled-payment history so it is ready; nothing leaves Seayora until an agreement is in place.
Where this stands today
No bureau is connected, and not one rent payment has been furnished through Seayora. Your authorization is stored with its exact wording and the date you agreed to it, and every settled payment is classified on time or late as it happens.
What gets recorded
- Settled, not submitted — a payment counts when the money has actually arrived
- On time by your own lease — measured against the grace period written into it, not the due date alone
- Each roommate separately — one roommate’s late share is never recorded against another
- Late and missed payments are recorded too, and any effect on a credit score varies by individual history
Frequently asked questions
Is my rent being reported right now?
No. Seayora holds no agreement with a credit bureau, so nothing is furnished to anyone. Opting in records your consent and builds your settled-payment history so it is ready — which is why every screen in the product says “recorded, pending bureau” rather than “reporting”.
Which bureaus will it go to?
The authorization you sign names Equifax, Experian and TransUnion. Before anything is sent we will name the bureaus and the furnishing partner in the Privacy Policy, and ask you to confirm your consent against that named partner — rather than relying on a consent you gave to an unnamed one.
What happens if I pay late?
Reporting reflects actual payment history, including late and missed payments, the same way any furnisher would report it. On time is measured against the grace period written into your lease, not the due date alone. It is worth knowing that before you opt in rather than afterwards, which is why the authorization says it in full.
Can I withdraw later?
Yes, from your own account, at any time — no further payments are reported after that. Withdrawing does not remove anything a bureau already holds; that is a dispute with the bureau, and you keep your FCRA rights either way.
Does it cost anything?
Nothing is charged for rent reporting while it is pending a bureau. If reporting requires a subscription when it starts, the price will be shown in the product before you agree to it. There is no brokerage fee on a Seayora account, and there never has been.
Will payments I have already made be reported?
Retroactive reporting, if it is offered, depends on what payment history is available and verified when you enroll. Seayora keeps your settled history either way, and you can produce a rent verification letter from it today for a future landlord.