Credit history question

Asked almost 2 years ago - Brooklyn, NY

If I don't pay the bills on time (rent in this case) will it affect my credit history, considering that I don't have a credit card and never had one? So, basically, I don't have a credit built up...

Additional information

P.S. The only thing that I have on my name is this apartment I rent, phones and utility bills are not included

Attorney answers (3)

  1. Luca Cristiano Maria Melchionna

    Contributor Level 15

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    Answered . Your credit is calculated not only by having a credit card, but by your age, years of employment, property owned, months or years in your apartment/rent, bank history, debts, bankruptcy and more. Not paying rent? Bad idea. Please look for the advice of an attorney.

    This reply is offered for educational purpose only. You should seek the advice of an attorney. The response given... more
  2. David Michael Katz

    Contributor Level 5

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    Answered . First of all, I wouldn't assume you don't have a credit record. I would check your credit using the AnnualCreditReport.com website which is free and see for yourself.

    More specifically, I'm not sure that rent is an extension of credit and therefore may not be eligible to be reported on your credit report. Additionally, utilities and land based phones are also not usually reported, however cell phone bills are.

    In any case, having seen multiple credit reports, I have never seen an account relating to a person's rent.

    Good luck.

    My response does not constitute legal advice and we do not have an attorney/client relationship. You may contact... more
  3. Gregory Howard Wiley

    Pro

    Contributor Level 16

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    Answered . The answer is maybe... If they report delinquencies to the credit bureaus then it will negatively affect your credit score.

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