No. Appfolio (and several other reporting services) does PARTIAL REPORTING to Experian only. Experian reporting only grows the tenants credit score. No negative reporting affects the tenant's credit score on Experian. Their system only reports that the tenant rents from you (and posts any unpaid balance) but only affects their credit score positively. Tenants love that you report positively only. Tenants don't care that you do PARTIAL REPORTING to Experian because there is no consequence to them. It's toothless. The service is free (and safe) through Appfolio. Tenants will never complain about postings because there is no negative effect on their credit. See Experian's Document About Their Rent Credit Reporting Service HERE. This new system is FULL REPORTING and reports to Equifax and TransUnion where the tenant's credit score is affected immediately, so tenants care about what you report giving you power over collecting rent, unpaid tenant charges and post move-out balances. Watch more videos on this topic and see how powerful this new service is. See THE TRUTH About Credit Reporting HERE