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Happy Saturday! As I sit around contemplating life, I was hit with a question. (This happens often as I over analyze everything.) Does having rent report to the credit bureaus help mortgage scores?
If you mean voluntarily reporting it through something like Experian Boost, no, it wouldn't. It would lower your AAoA and increase your number of accounts with a balance.





Thanks for the reply. I'm not asking for it to be reported. Our landlord is somehow reporting it. I was just curious.
In that case its effect is probably either going to be negative or neutral, depending on whether it's contribution to aging or accounts with balances metrics crosses a scoring a threshold. On a thick, aged profile, it probably isn't doing any harm.




