The first month you're in the program.Since this is a fully automated system, ALL tenants are reported the first month even though you're paying nothing for the service. As you move new tenants in (and execute lease renewals) they will execute the Credhub agreement and start paying their monthly fee to you. Once you're receiving income from the tenant you begin paying Credhub. You make no payments to Credhub until the tenant is paying you.