Understanding FICO® Scoring

[Ntherapy]

I was forced into BK and have been doing everything possible to re-establish my once beautiful 800 credit score.  I have been renting a home from an individual for just over two years and would like to add that positive payment history.  Does anyone know how to do this?  Does it help?

I am doing all of the other things, car payments, credit cards, etc., but would really like to add this.  Please help.

[Brammy]

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Ntherapy wrote:

I was forced into BK and have been doing everything possible to re-establish my once beautiful 800 credit score.  I have been renting a home from an individual for just over two years and would like to add that positive payment history.  Does anyone know how to do this?  Does it help?

I am doing all of the other things, car payments, credit cards, etc., but would really like to add this.  Please help.

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Rental history is not recognized by FICO scoring though it can be used in cases, such as applying for a mortgage to prove payment history when that history is too short. In order for any account history to be reported the reporting party must be a reporting member of the bureaus.  Most landlords are only reported after they engage a professional collector to  collect negative rental income.

[Ntherapy]

If I wanted to try to get my landlord to be one of those recognized by the FICO boards, how would I go about doing that?  Anyone know?

[Brammy]

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Ntherapy wrote:

If I wanted to try to get my landlord to be one of those recognized by the FICO boards, how would I go about doing that?  Anyone know?

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there are membership fees associated with bureau reporting that I believe would be prohibitive for something like a landlord.  I have a state student loan, andthese people make tens o thosands in loans yearly but only report to one bureau.