I'm not sure it's going to be that clear-cut. If you rented a place, and can prove you could have afforded it, but simultaneously can't prove that you paid ren

I'm not sure it's going to be that clear-cut. If you rented a place, and can prove you could have afforded it, but simultaneously can't prove that you paid rent for all the times it was due, then that's going to hurt your future ability to rent and/or borrow money for some time. Future renters and loan officers look (or will soon start looking) at this data.