I have an hard time understanding your point. Sure I agree that paying rent should count towards credit rating, but that's not an argument against credit ratin

I have an hard time understanding your point. Sure I agree that paying rent should count towards credit rating, but that's not an argument against credit rating. A bad credit rating means that it's a bad idea giving you a unsecured loan... that's all. An apartment is sadly pretty close to a loan, even more so with all the renter protection you get out of it. Paying the full rent in theses cases make sense then. My point is that in the lostphilosopher case, it was maybe simply used as an identity check, making sure it wasn't from a criminal. The resulting credit score wouldn't matter because of the full rent. > You'd think by then I'd have a track record of paying rent. Well, if they feel safer that way, again make sense. Why won't you personally give me a loan? The same apply to that case.