Credit Reports and Housing Rental Payment Histories

Credit reporting agencies such as Experian, Trans Union, and Equifax have not historically reported housing rental history for individuals. But last year, Experian “added a section to millions of credit reports showing on-time rent payments, and raised the credit scores of many people.” Following suit, CoreLogic and FICO “are planning a new credit report and score that incorporates payment histories from landlords, as well as payday and other nontraditional loans, child support and, later on perhaps, utility and mobile phone bills.”

Could adding housing rental history, among other types of payment histories, have the potential to increase the number of credit worthy borrowers to buy homes? See what the experts are saying at and tell us what you think on our Facebook or Twitter pages.

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