If you are bummed out about the fact that everyone in California has been in a foul mood for as long as you can remember, count your blessings. Try driving a few states east to Utah or Texas, where the older generations have managed to impress upon their daughters, even in these turbulent times, that one should wear a pleasant expression at all times, whether in person or in online communications. The soccer moms of Middle America put on the makeup they bought with buy now pay later (BNPL) and sound like they mean it when they tell the other soccer moms about the success they are enjoying with their latest multilevel marketing business opportunity, even though this business opportunity has destroyed their finances and is threatening to destroy their marriages.  Multilevel marketing operations and wine mom book clubs alike ascribe to a “positive vibes only” mentality, to the detriment of everyone who would feel so much better if they could just enjoy a good frown. If you are surrounded by people whose cheerful exterior never seems to crack, it is doubly painful when your credit report only seems to get the bad news. Positive rent reporting apps offer a glimmer of hope for people whose credit reports are all gloom and doom, even though they pay all their bills on time. To find out more about positive rent reporting apps and other simple ways to improve your credit score, contact an Oakland lawsuits, collections, and creditor harassment lawyer.

The Best Rent Reporting Apps Send Positive Vibes Only to the Credit Reporting Bureaus

Your credit score reflects the debts you have incurred and the debts you have repaid. It is a system where the rich get richer, because the more you have borrowed and repaid, the more money lenders are willing to lend you. If you have a home mortgage, your credit score goes up every time you make a payment.

The trouble happens if you have little or no credit history, because no lender has been willing to be the first to lend to you. The credit reporting bureaus do not consider rent payments a form of debt, so most of the time, tenants get no boost to their credit scores even after years of paying their rent on time every month. In recent years, rent reporting apps have appeared on the market. Landlords or tenants can subscribe to them, and they report the tenant’s payments to the credit reporting bureaus. The trouble is that many tenants have unpredictable income, and they sometimes pay their rent after the deadline, leading to negative marks on their credit reports. More recently, app developers have introduced positive rent reporting features into rent reporting apps. If you choose positive rent reporting, then the app will report an on-time payment in the months when you pay on time, but it will not report anything in the months when your payment is late.

Contact the Law Office of Melanie Tavare About Getting Credit for Your Rent Payment

A debt relief lawyer can help you if you are consistently employed but have little credit history.  Contact the Law Office of Melanie Tavare in Oakland, California, or call (510)255-4646 for a case evaluation.