10/19/2026
🏡 Renters, are you getting credit for the rent you pay every month? 👀
You pay your rent on time, month after month. But did you know those payments may not even show up on your credit report?
Here’s why that matters: building a credit history can be one of the hurdles to qualifying for a mortgage. And the good news? That’s starting to change! 🔑
Newer credit models are making it possible for eligible renters to have positive rental payment history considered when applying for a mortgage. That could help some aspiring buyers strengthen their credit profile.
So, what can you do now?
✨ Ask your landlord if your rent payments are reported to credit bureaus.
✨ Explore rent-reporting services and check their fees and reporting coverage.
✨ Review your credit report for errors and keep working on healthy credit habits.
✨ Talk with a mortgage lender about where you stand and what steps could help you prepare to buy.
Your rent payments might be doing more than keeping a roof over your head. It’s worth finding out if they could help you take the next step toward homeownership! 💙
Thinking about buying your first home someday? Send us a DM! We can help you connect with a lender and start figuring out your next steps. 🏡
