Regular Contributor
Posts: 206
Registered: ‎12-20-2012
"Alternative Credit Data?"


researching for another member on here who wants to know how things like rent payments and utilities paid on time can help her credit score. 


I know there are services that claim to report on time rent repayments to the CRAS (RentReporters, Williampaid).

I know there are 'alternative credit bureaus' that will track your rent, utility, cell phone, child care & tuition expenses and build a 'credit file' for you that you can then present to potential lenders pursuant to your rights under the Equal Credit Opportunity Act, which states that they must consider this additional information befor making a credit determination for you (


Does anyone know if these are effective methods, vs. just being a nice theory? 

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740