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Starting last December, one of the three major credit-score trackers, Experian, added paying monthly rent as one of its criteria for calculating a credit score. The other two major credit-score trackers, TransUnion and Equifax, still count only negative rent payment history toward a credit score. Describe two consumer groups that could benefit from Experian’s credit-score formula change.

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People who are renters of apartments would be positively affected by this addition to credit score calculation. In addition, people who rent equipment for construction of buildings and other long-term projects would see their scores go up if they stayed on-time with their payments for the use of the equipment.

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