Answers to some of the common questions

Frequently Asked Questions

Have questions about what Debie does? Maybe how we report your business rent payments? Curious about what Debie costs? Find all of your answers here.

Is Debie an allowable business expense?

Debie reports your business accounts payable to credit reporting agencies and is considered an allowable business expense. Please consult your accountant to determine how you may be able to write off the expense for your business.

I don’t know my EIN number, is this a problem?

You can enter your EIN number once you have set up an account. Your EIN number is what helps the credit bureaus validate your business and make sure that your business is the one getting credit for the payments.

I changed my business name, will this affect my score?

As long as you haven’t changed your corporate entity you will have the same credit score. You can update your DBA in your profile.

How do I share my Debie score with my landlord?

You can export your Debie report in PDF format and share it with your landlord.

I’ve signed up and connected my bank account, how do I know this is working?

Once you have connected everything properly, you should see a page that says everything is connected and your rent is being reported to the credit bureaus.

Does this also impact my FICO score?

By improving your business credit score and removing your personal guarantees from your business liabilities you can improve your FICO score as well.

How long does it take for my recurring rent payments to show up on my credit report?

It can take up to 6 months to have the payments start showing up on your credit report. This timeline is dependent on the individual credit agencies. We report payments every week.

Is there a guarantee that we will be able to see our tradelines on our scores?

Business tradelines are different from personal credit. Many of the largest credit data sets in the business credit space are run for the benefit of the financial services industry or large manufacturers and wholesalers. Debie makes our best effort to report your tradeline data to all relevant data sets. In some cases, your payment will have been reported and may not show up in your consumer-facing report. More details can be found at the Small Business Financial Exchange. To help you verify your reporting, we are happy to share a report extract with you of the actual file that was reported on request.

I no longer want to report my rent payments to the credit bureaus through Debie, how do I shut down my account?

We are sad to see you go. In order to disconnect reporting please log into your account and click cancel inside your account settings.

Debie reported an incorrect amount to my credit bureau, how do I correct this?

You can go into your portal and file a request via the Help function.

Which banks are supported by Debie? What about Credit Unions?

We partner with over 2500 financial institutions, this includes both traditional Banks as well as Credit Unions.

I want to know exactly what kind of permissions I’m granting Debie when I connect my bank account

When you connect to your bank account, you are allowing us to view your rental payments. Our artificial intelligence platform automatically looks for payments that are tagged as rent or lease.

Does Debie store my bank login details?

We never access your bank account information or login credentials. Your credentials are passed directly to your financial institution.

I don’t pay rent on a monthly basis, how does Debie accommodate different payment terms with landlords?

Our system looks for your rent payments, when our Artificial Intelligence engine sees your payment we will report it to the bureaus. You can continue operating your business as normal.

What happens when I change locations and landlords?

You can update your business address and new lease amount and we will take care of the rest. In order to add an additional location, you can select “add new location” and we will report the rent for all of your locations.

I’m a new business owner, will this help me build my credit score?

Absolutely, as you build your business your credit score will start improving automatically.

Do you sell my data to any third party companies?

Debie doesn’t sell your financial data. We only use your data to report your tradelines to the credit bureaus and generate your credit score.

Will there be a negative impact on my business credit score on late or missed payments?

Debie reports your commercial rent and lease payments, as long as you are paying, they will impact your score positively.

Is Debie regulated by a governing body?

Debie is registered with the Secretary of State of the State of Delaware. We are required to file annual reports with the State.

How much impact does rent payment have on my business credit score vs other tradelines?

Commercial rent and lease payments are a tradeline. They have a significant impact on your credit score but are only just one tradeline. If you are interested in supercharging your credit score you can report multiple tradelines. Our premium tool allows you to seamless report all of your tradelines.

Does Debie guarantee any results?

Each individual business credit score is unique and the results depend on your existing credit health. Although we report all lease payments to credit agencies, their internal credit scoring mechanisms are what ultimately determine the changes in your business credit score. As such, we cannot provide any guarantees.

How are my rent payments affecting my business credit?

Commercial rent and lease payments are one of the most important expenses for a business and are not currently reported. Some landlords report delinquent payments to the credit bureaus, we empower business owners to report their own credit history as well to build their credit history and improve their score for free. Reporting your payment history can help you qualify for business loans and credit cards without having to use your personal credit.

Is Debie processing my payments? Is my rent safe?

We are not a rental payments platform. Whether you pay your rent online via your landlord's portal or via check, our system will automatically report your commercial lease payment.

Can I see my business credit scores on the Debie dashboard?

Yes, you can see your Debie consolidated score which is based on aggregated information from all of the other bureaus. In order to see your individual score from each of the bureaus, you can access your report directly from them.

Does this work for personal credit scores too?

We do not currently report for personal credit scores.

What do you do with my bank transaction data?

Our platform uses artificial intelligence and machine learning to identify your commercial lease payment. Once we identify that your lease was paid, we report that data to the reporting agencies. The rest of your transactions are never available to our staff.

Does Debie work for personal mortgage payments?

Unfortunately, we are not able to support reporting your home office as a tradeline.

Is this service really free?

Yes, Debie rent reporting is free forever. We believe that business owners should be able to leverage their good operating history to unlock financial opportunities and want to make this opportunity free. We do have premium services that help you improve your score faster that we charge a nominal monthly fee for.

How do I cancel my subscription?

You can cancel your subscription at anytime by going into the profile settings page and clicking the “cancel” subscription button. If you’ve paid your rent for that month, it will not be reported for that month. You can also contact us directly and cancel your subscription via email as well.

What options do I have if I don't use ACH (my bank account) to pay my rent?

You can sign up with your accounting tools if they are being reconciled. If you use QuickBooks we can use this to track your payments and get you credit for them.

Can I update my information after I sign up?

Yes, you can navigate over to the profile page located in the top right corner of the screen to access your account settings.

What kind of real estate leases can I report?

You can report any real estate lease that has your company name and that you pay electronically.  
Here's a non-exhaustive list of leases you can report using Debie: Physical office space, Coworking space, Store Lease, Shared office space and Any lease or rent payments made via ACH that has your company name.

Here's a non-exhaustive list of leases you can NOT report using Debie:
PO Boxes, Storage units, Any lease payments you pay via cash or through a p2p money transfer app (Venmo, Zelle, Cashapp, etc.)

After signing up, when will my first lease payment be reported?

Your first payment report will go out at the beginning of the following month. There is some validation that our team and the bureaus have to do before accepting the transaction details. Reports can take up to 4-6 weeks to show up in the systems at the major bureaus. There may be a detailed review requiring verification with your property management company that can extend this time frame.

I don't use my bank to make rent payments do I have other options?

You can sign up with your accounting tools. If you use QuickBooks we can use this to track your payments and get you credit for them. As long as your history is reconciled you will be able to use it with Debie.

How fast can I start seeing results?

It usually takes 4-6 months to start seeing improvements in your credit score. With our premium service you can start seeing improvements within 1-2 months.

Can I pause my reporting?

You can pause your reporting for any month by contacting us or clicking pause reporting in the settings page on your dashboard. If you are on a premium plan, you will still be charged but your payment details will not be reported. This is helpful if you are not able to make the payment on time for any particular month.

Does Debie offer backdated reporting?

Due to a rule change we can no longer provide backdating reporting as a service.

Do I need a business bank account to get started?

Yes, you need a business bank account that you can connect to our platform. Any type of business account from one of our over 2500 banking partners will work with our platform. Safe note generation for investors and founders at

Does Debie offer an affiliate program?

Yes, please contact us directly on our partnerships page here.