> Right, because it's a credit score, not a finance score. I'm not sure what you want here. Do you want credit bureaus to collect even more information about yo

> Right, because it's a credit score, not a finance score. I'm not sure what you want here. Do you want credit bureaus to collect even more information about your financial life so they can have a more accurate picture? To some extent _yes_, if that's how this has to work. If my ability to make significant life steps is based entirely on their view of my ability to pay debts then I would rather they at least have the full picture. As it is it's extremely inconsistent, one place I rented reported my rent payments to some of the credit bureaus (but not all of them), the others did not. Additionally utility bills don't appear, despite them probably being a reasonable gauge of whether you can pay for stuff on time (at least as reasonable as everything else they use). It is what it is, but I was in that poster's same position and agree with them that it feels like a very dumb situation. I'm lucky that I at least saw it coming and a few years before buying a house I opened a credit card with the only purpose being to build my credit history. I have one thing that charges about ~$8 a month to it and it gets auto paid, and apparently _that_ was a big key to determining whether I'll be able to manage paying for a house. IMO that's just silly.