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MyMax88

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How can I use 6+yrs of on-time rent payments by check to boost my credit score?
I haven't had the option to pay rent by credit card, but have ALL 6+ years of cancelled rent checks

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Paying rent doesn't, nor will ever, help your credit.  Nor does paying your phone bill, or other house hold utilities.  It sucks, I know.  Even if you paid your rent on your credit card, it doesn't mean your rent is going to show up on your credit report.  Yeah, it may show you paid rent on a Credit Card Statement, or transaction, but no lender will ever see that you're paying your rent on your credit card, because transactions and things of that nature, do not show up on your credit report.  And honestly, if a lender could see you're paying your Rent on a Credit Card, regardless of the reason, they'd probably frown at it.

Keep in mind that most loans and applications, IE: Car Loans, Credit cards, are usually instant pass or fail.  There are times when they will remove it and make exceptions, but generally speaking, your Rent is not going to be relevant to anything regarding loans or credit, unless you're getting someone you know personally to trust the "Rental Reference" of the person or company you rented from.   You can use a "rental reference" on a Mortgage Loan Application with certain lenders, but it does not help your score, simply gives you "liabilities" if you do not have any, but your interest rate will not be that good.  It's best to have actual credit for a mortgage loan..                                                                

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