If you’re enrolled in a rent reporting service like AxcessRent, your landlord may report both on-time and late payments. A late payment (30+ days past due) could damage your credit score. Tip: Always communicate with your landlord if you’re having trouble. Many offer payment plans or extensions if you’re upfront. Does it Apply to Everyone on the Lease? No, each tenant must opt in individually. If two roommates are on the lease, one can choose rent reporting while the other does not. What Types of Leases Qualify for Rent Reporting? Most lease types qualify, including month-to-month agreements, subleases, and long term leases, as long as payments can be verified. The key factor is consistent, documented payment from the tenant to the landlord How Is Privacy Protected in Rent Reporting? Tenant information is protected under the Fair Credit Reporting Act (FCRA). They must follow strict data protection protocols, and tenant consent is required before any data is shared with credit bureaus