Your landlord could help you add 40 points to your credit score

Want an easy way to improve your credit score? Talk to your landlord.

The credit scores of many Americans could get an immediate boost of as much as 40 points if their rental payments were added to their credit histories.

Tablet displaying an 810 credit score labeled excellent, illustrating the comparison between FICO and VantageScore credit scoring models used by lenders.

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Residents socializing outside their rental homes with an overlay graphic showing an apartment building and a rising credit score gauge from 650 to 720, illustrating how renters can build credit through rent reporting.

Understanding Credit Scores: Why It Matters for Renters and the New Era of Credit Reporting

Credit scores are risk ratings used by lenders to measure how likely you are to repay a loan. Models like FICO 10T and VantageScore 4.0 now reward consistent payment habits, including on-time rent payments.

December 4, 2025 No Comments

A diverse group of renters sitting together in a modern apartment, reviewing finances and offering support to each other during the U.S. government shutdown — representing how CredHub helps residents protect rent payments and credit.

Impacted by the Government Shutdown? Here’s How Your Rent and Credit Can Stay on Track

Worried about rent or credit during the government shutdown? Learn your rights and how CredHub helps renters stay protected and keep building credit.

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Your landlord could help you add 40 points to your credit score

FICO vs. VantageScore: Which Credit Score Do Lenders Actually Use?

Understanding Credit Scores: Why It Matters for Renters and the New Era of Credit Reporting

Impacted by the Government Shutdown? Here’s How Your Rent and Credit Can Stay on Track

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