Could Paying Your Rent on Time Improve your Credit Score?

The short answer, sometimes. If you are looking for a way to improve your credit score, but don’t have much of a credit history, you’re rent history could be considered.

All three major credit bureaus accept payment history if they receive it. You aren’t allowed to self-report your on-time rent payments, but there are several rent reporting services that range in price. (Your landlord might even offer to cover this expense, as most of these services offer other resources to support those managing properties.)

Paying your rent on time isn’t going to immediately boost your credit score, especially if you already have a score over 620, but a 2017 TransUnion study reported an average increase of 16 points within 6 months of reporting for consumers with a credit score below 600.

Typically, it takes at least 3-6 months of good credit behavior to see a noticeable change in your credit score. It is difficult to make a change any faster, unless the negative information on your credit report was a minor blip, like being late with bill payments one month.

Here are some time frames for negative information that detracts from your credit score:

  • A delinquent account remains on your credit report for 7 years
  • Car prepossession stays on your report for 7 years
  • Chapter 7 bankruptcy is on your report for 10 years. Chapter 13 remains for 7 years
  • Credit application inquires remain on your report for 2 years
  • Public record items such as property liens are on your report for 7 years.


Consumers have numerous options for reviewing, consolidating, and appealing information on their credit reports. It’s hard to know which option is best for your unique situation, so let the experienced attorneys at Wagner, Falconer & Judd simplify that for you. The sooner you take charge of your credit report, the sooner you can improve your score-so reach out to us today!