Homeowners build credit through their mortgage payments every month. Renters often don't get that benefit — but they can. Here are seven moves that work.
1. Get your rent reported
Ask whether your landlord reports rent. If not, a service like Credit Rent Boost or a free tool like Experian Boost can add your on-time rent to your credit file.
2. Open a secured credit card
You put down a refundable deposit (often $200–$500) that becomes your limit. Use it for one small recurring bill and pay it in full monthly.
3. Try a credit-builder loan
Offered by many credit unions and online lenders: your payments go into a savings account you receive at the end, while each payment is reported.
4. Keep utilization low
Credit utilization — your balances divided by your limits — is a major scoring factor. Under 30% is good; under 10% is better.
5. Never miss a payment
Set autopay for at least the minimum on every account. One 30-day late payment can hurt for years.
6. Become an authorized user
Being added to a trusted family member's long-standing, low-balance card can add positive history to your report.
7. Check your reports and dispute errors
Pull free reports at AnnualCreditReport.com and dispute mistakes — see our credit repair guide.
Avoid: opening many cards at once, paying for "guaranteed" score increases, and closing your oldest card.
By the Connected Renter team. General information only — not legal or financial advice.
