How to Use Rent Payments to Improve Credit

Improving a bad credit score is done by making loan or bill payments on time. This shows future creditors you are able to handle the repayment of funds based on your past credit history. Using your rent payments to improve your credit score is done by your landlord reporting those payments to a credit reporting service. While rent payments are not typically reported to a credit service, you can convince your landlord to do so by informing him of the steps involved.

Instructions

1

Inform your landlord that you want to improve your credit score and ask them to subscribe to a credit reporting bureau such as TransUnion, Experian or Equifax.

2

Tell the landlord to report your rent payments as alternate credit data on your credit reports. Inform them that once subscribed to a credit reporting bureau service, they can also report the rental payments of all tenants in the building if you live in an apartment complex.

3

Enroll in a credit monitoring service such as True Credit or Identity Lookout to track your rent payments and to make sure the data your landlord is inputting is accurate.