Comparison

Rental Kharma vs Secure Client Access

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Rental Kharma

Build your credit score by reporting your rent payments. This service helps you achieve a 720 credit score and maintain it with tools and resources. Get free credit reviews and learn to improve your financial standing.

Highlights
  • Report rent payments to credit bureaus
  • Build credit history
  • Achieve and maintain a 720 credit score
  • Free credit reviews
  • Access financial tools and resources
  • Report entire rental history
Features
Read full description

Getting a 720 Credit Score is easy! #1 Rated Rent Reporting service in the US! It does not matter how you pay your rent, you can use Rental Kharma! WE REPORT MORE TIME FOR MORE POINTS! We can report the ENTIRE HISTORY of your current rental property, from move-in until now, with just a short conversation with the landlord! Our service has helped hundreds of thousands of people build their credit score quickly, simply from adding their rental payments to their credit report. WHAT IS A GOOD CREDIT SCORE? At Rental Kharma, our goal is to get you to 720 and help you learn how to stay “720 CREDIT READY!” This app helps our members get access to tools, resources, and valuable information to help you achieve your financial goals! FREE BONUS FOR MEMBERS We offer FREE credit reviews for our members one-on-one, to get your goals on the fast track! Learn how to build credit, increase your credit score quickly, and reach your credit goals within weeks! 12 YEARS, HUNDREDS OF THOUSANDS OF LIVES CHANGED! “Free rental reporting” and other services either don’t report the full lease history without an upgrade, or require access to a checking account that your rent is paid from. We don’t! We can finish up your rental verification without access to your personal banking information. Raise your credit score to the next tier without hidden fees or sneaky contracts! * Results may vary, and you may not receive an improved credit score solely by adding rental payments. Most lenders use credit scores that include rental history, but not are guaranteed. INFORMATION ABOUT THE APP By signing up, you will get access to subscription(s) that include features such as progress tracking, and offline sync, available to subscribe free of charge. The download of Rental Kharma is free of charge. Read our full Terms of Service and our Privacy Policy: https://passion.io/terms-of-service https://passion.io/privacy-policy

About

Secure Client Access

Manage your credit journey with tools to track progress and stay connected. Upload documents, monitor your credit score in real-time, and communicate securely with your specialist. Track dispute statuses for detailed insights into your credit report.

Highlights
  • Easy document upload and onboarding
  • Live credit score tracking
  • Secure direct messaging with specialists
  • Detailed dispute status updates
  • Credit journey management
Read full description

The official app for managing your credit journey. Secure Client Access gives you the tools to track your progress and stay connected. Easy setup: Upload documents and complete onboarding in minutes Live score tracking: See real-time credit score updates Direct messaging: Securely chat with your credit specialist Detailed dispute status: Track every item on your report Download now to take control.

Screenshots

Rental Kharma3 screens
Secure Client Access4 screens

Verdict

The call

The clearest difference is ads: Secure Client Access at none against Rental Kharma's shown. Secure Client Access also leads on monetization model (free vs free with in-app purchases). Rental Kharma's advantage is ratings volume (52 vs 10) and device support (3 vs 1). On price, rating, update cadence and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Rental Kharma holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: Rental Kharma has 52 ratings behind it against 10, so its average is the more settled of the two.

UpkeepUpdate frequency

Rental Kharma ships an update every 2 months, Secure Client Access monthly. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

Scorecard4 real differences · 6 level
Rental Kharma versus Secure Client Access: the parameters behind the verdict, then further details
ParameterRental KharmaSecure Client Access
PriceFreeFree
Rating4.6 (52 ratings) — better4.4 (10 ratings)
Positive reviews100.0% of reviews—
Number of ratings52 — better10
Update frequencyEvery 2 monthsMonthly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size90 MB66 MB
Age rating4+4+
DeveloperRental Kharma, Inc.The Awesome Co

Customer experience

Rental Kharma

All ratings25 ratings
Positive96.0%
Neutral0.0%
Negative4.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Secure Client Access

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%

In-app purchases

None

Rental Kharma

No in-app purchases

None

Secure Client Access

No in-app purchases

Questions

Is Rental Kharma free?
Rental Kharma is free to download, with no in-app purchases.
Is Secure Client Access free?
Secure Client Access is free to download, with no in-app purchases.
Which has better reviews, Rental Kharma or Secure Client Access?
Rental Kharma is rated higher. Rental Kharma averages 4.6 out of 5 from 52 ratings, while Secure Client Access averages 4.4 from 10 ratings.
Do Rental Kharma or Secure Client Access have ads?
Rental Kharma shows ads; Secure Client Access does not.
Which is updated more often, Rental Kharma or Secure Client Access?
Rental Kharma ships an update every 2 months, and Secure Client Access monthly. Most recently, Rental Kharma was updated on October 24, 2026 and Secure Client Access on October 31, 2026.

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