Beginning February 1, 2026, all Missouri landlords and property managers must offer tenants the option to report their on-time rent payments to at least one credit bureau—helping residents build credit while promoting financial responsibility.
It applies to you if
You have 15 units or more
You are a trust, corporate or LLC with more than one residential building
You are NOT assisted housing
What HB 938 Means for You and How We Simplify Compliance
HB 938 Requirements
Landlords may charge a maximum of $10/month for reporting rent payments
Offer the option to report on-time rent payments monthly to one credit bureaus
Disclose to tenants that their on-time rent payments will be reported
Sperlonga Rent Reporting
Report a renter's on-time payments for as low as $2/month
Reports payments to three major credit bureaus (TransUnion, Experian and Equifax)
We have automated marketing systems to help you offer rent reporting to your tenants
Here are Reasons Why Landlords and Property Managers Report Rent through Sperlonga Data & Analytics
Cost Effective
Three-Bureau Reporting
Tenants’ on-time payments are reported three major credit bureaus to TransUnion, Experian and Equifax for as low as $2/month!
Seamless Rent Reporting
Whether you’re using a property management platform or not, we make rent reporting easy. Our system integrates seamlessly, or works standalone, in just minutes a month.
Roll Out with Ease
Let our automated marketing systems do the work of introducing rent reporting to your tenants.
Over a Decade of Expertise, a Legacy of Trust
Backed by 10+ years of experience and hundreds of thousands of reported payments, our process is proven to deliver accuracy, compliance, and reliable results.
Dedicated Support for your Residents
We take care of tenant inquiries and disputes on reported payments, keeping things smooth for you and your tenants
Why Rent Reporting Makes Sense for Landlords and Managers
Think rent reporting is just a checkbox for compliance? It’s actually one of the most effective ways to encourage timely payments. Here’s how reporting to credit bureaus helps:
More On-Time Payments
When tenants know that their rent payments can boost their credit scores, they will give it more priority.
Improve Tenant Retention
2 out of 3 tenants will choose a property that reports rent payments. This is an amenity that gives rent more value, giving them more reason to renew their leases.
Sperlonga Data & Analytics simplifies HB 938 compliance, making rent reporting effortless for you.
Automated Reporting
We integrate with your property management software for smooth, accurate reporting.
No software? You can still report rent quickly with our flexible tools.
We can also handle tenant communications with automated marketing and reminders.
"It’s kind of crazy that anyone pays a bill and doesn’t get credit for it. So, what I say is pay your bill, report it and lower your interest expense. Well how do you do this? You have your property management company get with Sperlonga."
Act now and discover how our platform makes HB 938 compliance simple and hassle-free. Book a 15-minute call with our team below!
Learn More About Rental Credit Reporting by Sperlonga