Sunday, October 11, 2009

How do I go about getting my rent pay history reported on my credit report?

I am taking the necessary steps to resolve the credit issues I have and would like to have my positive rent pay history added to my credit report. I will use this in lieu of a mortgage to bring my score up. Any ideas if this can even be done and how?

How do I go about getting my rent pay history reported on my credit report?
First, it IS NOT a lack of bad news that makes a good credit score. You dont want bad things on there, but if you dont create a new, good history, simply deleting the bad news does nothing.





Your landlord would have to agree to report it and then do so. Howver VERY few do this-- its a hassle for them. Also, Rent is not a debt to be repaid-- it is paid monthly AS you use it, just like utilities, which are also not generally reported.
Reply:This typically is not done unless the landlord reports it tot he credit companies.
Reply:Credit reports generally don't report the "good news"--they're more based on your bad news---it's your lack of bad news that will make for a higher credit rating.
Reply:The only way it can be done is if the leasing manager / landlord reports the information. This can not be done by you.





Here is some additional info. Hope this helps.
Reply:first off if you are in the UK then you contact expireplan, you credit check company
Reply:Your landlord must report your payment history to the credit bureaus.

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