Rental Kharma - On Air!

Hosted by Rental Kharma

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Latest episode

Oct 2025

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About the show

Rental Kharma is more than a service for reporting rent payments -- we're on a mission to change lives ! Since 2012, Rental Kharma has helped 110,000+ families build credit history and improve their credit scores by reporting their on time rental payments. As part of this mission, we have introduced the Rental Kharma Learning Center to explain how credit actually works, provide credit and financial education, and help you learn how to avoid common financial mistakes and pitfalls, while helping you improve your credit score. If you are currently renting, let us add your rent to your credit report! If you want better credit, listen to our podcast and learn how you can drive yourself to a brighter financial future! Rental Kharma -- Because Good Renters Deserve Good Credit!

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21 recent

October 27, 20250 min

Rental Kharma ON AIR! - More than just rent reporting

Rental Kharma is more than a service for reporting rent payments -- we're on a mission to change lives!Since 2012, Rental Kharma has helped 110,000+ families build credit history and improve their credit scores by reporting their on time rental payments. As part of this mission, we have introduced the Rental Kharma Learning Center to explain how credit actually works, provide credit and financial education, and help you learn how to avoid common financial mistakes and pitfalls, while helping you improve your credit score. If you are currently renting, let us add your rent to your credit report! If you want better credit, listen to our podcast and learn how you can drive yourself to a brighter financial future!Rental Kharma -- Because Good Renters Deserve Good Credit!Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

October 3, 2025Episode 415 min

Driver's Ed for Credit (part 4)

In your fourth Driver's Ed For Credit class, Cullen Canazares talks about how authorized users can help people when building credit, the differences in the different rent reporting services and how to pick based off your needs, and what the impact can be when accounts close, explaining how paying off loans can negatively impact credit scores. Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

September 29, 2025Episode 335 min

Driver's Ed for Credit (part 3)

The third lesson in Driver's Ed for Credit, Cullen and Wendy talk about the dangers of alluring store credit cards, how to refinance high-interest credit card debt, and how to navigate emergency purchase credit cards like Care Credit. As a bonus, Cullen is going to show you how to analyze your own credit report! See how your account activity affects your credit score and how you can quickly improve your own credit score while building long term credit health! Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

September 4, 2025Episode 238 min

Driver's Ed for Credit (part 2)

This week's episode is PACKED with information to help you ace your Driver's Ed for Credit course! Cullen Canazares and Wendy Massengill break down some facts about student loans, credit building products, and the financial holes people can fall into with using different kinds of lending products, like payday advance stores. We'll also chat about the risks of “buy here, pay here” cars, title loans, why consolidating student loans can be a smart move, and how credit builder apps can hurt your credit score more than they help it. And finally, we discuss what happens if you overdraft your account, how much those big banks make off of their customer's mistakes, and how to avoid predatory lending products altogether.We hope you brought your notebook, because there's lots to learn in this next half hour! Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

August 22, 2025Episode 129 min

Driver's Ed for Credit (part 1)

To kick off season 2 of Rental Kharma ON AIR, Cullen Canazares and Wendy Massengill are giving you part one of your Driver's Ed for Credit course!In this episode, we talk about the real impacts of common credit mistakes, like late payments, "maxed out cards", credit builder loans, and how to think about your credit score on an A-F scale, like you remember from school. Our goal is to help educate our listeners on how to maintain a healthy credit score, avoid those common mistakes, and avoid the credit potholes that can lead to financial setbacks!Visit the Rental Kharma Learning Center for more articles about how credit really works! https://www.rentalkharma.com/learnWant to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

July 8, 2024Episode 1647 min

The 3-Bureau Myth (and WHY You Don't Need All 3 To Buy A Home)

Summary:This week, Cullen and Wendy talk about a big ole myths we hear about almost every day -- that you need your rent reported on all three credit bureaus (BEEP! WRONG!). We'll also provide you with the definitive answer to the age-old question -- "why is my credit different on all three credit bureaus?" And also explain the upcoming changes to the mortgage industry and how this helps you!Takeaways:Learn how the mortgage lenders looks at your credit informationBig changes are coming to the mortgage industry and how your score is calculatedThere used to be just ONE credit score model brand -- and the surprising alliance that changed credit scores foreverWant to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

June 28, 2024Episode 1530 min

The Banking Showdown: Fintechs vs. Banks

Summary:Yee-haw folks! We've got a financial showdown going on, between traditional banks, and the new fintech banking products. Join us as we break down the different kinds of products, the pros and cons, and the surprising winner in this matchup! Takeaways:Fintech is a term for any kind of financial technology, including banking, investment, and digital currency products.Fintech banking bridges the gap for people who don't qualify for traditional checking accountsSome of these products are helping put predatory lenders out of business Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

June 13, 2024Episode 1448 min

BYOB pt. 2: Kicking the Tires on Your New Business

Summary:In this week's episode, Cullen and Wendy dive deeper into the steps you need to take to start your new business and Be Your Own Boss! Gain some valuable information, motivational insights and practical advice on several business-building topics, including how to set up your business bank account, and why you should pay yourself a regular paycheck! Learn about marketing strategies, and what you need to get the business off the ground, without breaking the bank. As an added bonus, Cullen shares the history of the founding of Rental Kharma, and how he started from scratch, to where we are today! Takeaways:Don't operate out of your personal accounts for more than a couple months when building your businessPaying yourself out of the business account with a paystub improves credit approval odds!You only need marketing expenses if your company is at a certain size -- and word of mouth is more powerful!Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

June 5, 2024Episode 1355 min

BYOB Pt. 1: Small Startups (that don't cost a lot -- or care about a criminal record)

Summary:In the first episode of our Be Your Own Boss series, Cullen and Wendy dive into starting your own business with minimal money, focusing on opportunities for individuals recently released from incarceration. They talk about some of the obstacles faced by former inmates and the barriers that can be broken by starting your own business. They'll provide tips on how to get your business off the ground, and throw out some cost-saving ideas to get you started. Tune in to get inspired and learn how to take the first steps towards entrepreneurship!Takeaways:Break down barriers in workforce discrimination by being your own employer.Starting a business doesn't take a lot of moneyStable employment helps prevent recidivism and builds stable livesWant to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S

May 16, 2024Episode 1227 min

The (Not-So) Free Cell Phone Zone

Summary:What a doozy! This week, Cullen and Wendy break down the popular "free cell phone" plans. Listen as we unpack the true costs of these cell phone plans, and how you can be wasting THOUSANDS of dollars! Learn some hacks, facts, and dirty little secrets about the not-so-free pitfall at your big wireless carriers!Takeaways:Free phones aren't actually free - learn how you end up paying for it anyway.Contracts, fees, device protection, required minimum service, all add up fast!Learn about cost-effective alternatives to the big carriers, and the pros and cons of why you might want to switch!Want to watch this podcast? Here's the link for our YouTube channel!Check out our sponsor -- Rental Kharmahttps://www.rentalkharma.com Season One Intro Music: https://uppbeat.io/t/cruen/campingLicense code: AACFPDP424VK449S