10/21/2026
According to Zillow, nearly a third of applicants (32.88%) get denied a mortgage due to insufficient credit history – not missed payments or too much debt. Just not enough credit history
New credit models are emerging that take on-time rent and some utility payments into consideration to help renters get credit for the bills they already pay.
VantageScore is one company with a new credit model that has been approved for use by the Federal Housing Finance Agency. However, your rent won’t necessarily count unless you make sure it does. And the sooner you take credit for your payments, the better.
This article shares some of the basic steps to see if your rent can be counted toward your credit score:
What's the biggest payment you make every month? If you’re a renter, it's probably your rent.