About us
We believe a family's credit score should reflect the rent they've paid for years — not just the loans they haven't.
Our story
Total Access & Impact grew out of Rental Kharma, the rent-reporting company that pioneered adding full rent and utility payment history to credit reports — going all the way back to move-in day. The result: an average credit score boost of 60 points after just one account, with most members seeing change in 3 to 5 days.
We built Total Access & Impact to bring those same tools — plus mentorship, a custom Action Plan, and top-tier credit education — to families referred by community-based organizations and the Department of Housing and Urban Development's Family Self-Sufficiency (FSS) program.
Most credit programs charge families monthly and lock them in. Total Access & Impact is free to participants — sponsors, donors, and partner organizations cover the one-time enrollment so families can focus on what comes next.
Mission
Open the door to homeownership and financial dignity for families who've been doing the work all along.
Approach
Real reporting + real mentorship. Tools that move the needle, paired with the human help to use them.
Partners
HUD FSS programs, housing authorities, and community organizations referring the families they serve.