> The people who maybe could have paid their rent on time but didn't want to reduce spending in other areas to compensate for it end up okay. Honest question-

> The people who maybe could have paid their rent on time but didn't want to reduce spending in other areas to compensate for it end up okay. Honest question- do they in fact end up OK? What about their credit? I imagine most credit agencies, future landlords, lenders, etc. would consider it material information to know whether a borrower / prospective tenant had declined to / been unable to pay their rent for over a year.