Frequent Contributor
Autumnslight
Posts: 311
Registered: ‎07-08-2012
Re: Why now?

As far as I know, there's nothing that prevents them from reporting this. But, the important part is going to be how they report it. It would make the most sense if they reported from the date that you started renting the property. In that case, you'd have essentially a back-dated account with a bunch of (hopefully) positive history. That could actually help your score. It probably wouldn't hurt you in terms of AAoA unless you haven't been there very long, or you have a very thin credit file.

 

On the other hand, if they start reported with an open date of 2013, yeah, it might hurt your score. If that happened, I'd talk to the management company and see if they'd change it. If that failed, I'd dispute it in writing with the credit bureaus, because I don't think that should be considered accurate reporting.

Scores:
07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!