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Hi, Would anyone have an idea of how many points would my credit score be impacted if my landlord should report me as being on time for 2 years? ( my account with him is in excellent standing)
Typically landlords will only report if you are delinquent. In the many years that I had rented through both management companies and private owners, none have ever reported. Is your landlord offering to report? With that being said, it would definitely help you. Nobody will be able to tell you how many points your score would go up because we don't know what your report looks like. But, even knowing what is on your report really won't let anyone give you an accurate estimate of how many points you would gain.
FICO scoring is based on algorithms that nobody here will ever see. We have just been able to change things on our report so we have guestimates on what may happen.
Wow, Your good at this. Thank you for your response. That does help. I was thinking of asking the landlord to write a statement for the Credit Bureau. He is a very good landlord and has several properties. I would like to buy one but want to make sure all my ducks are in a row before going down that road.
Hi, Thank you, that does help and gives me a good starting ground.