I finally realized my rent reporting service was only hurting me

For 14 months I paid $9.99 a month to a company that promised to report my rent to the credit bureaus, thinking it was building my score. Then I pulled my actual credit report and saw they only reported to one bureau, Equifax, and my FICO 8 in my FHA loan preapproval in Phoenix didn't move a single point. The loan officer flat out said, 'Lenders don't look at that file, they use the classic scoring model,' and that's when it hit me I was paying for a marketing gimmick. I canceled it last Tuesday and instead put that cash toward paying down a $340 medical collection. Has anyone else found that these rent reporting services actually helped them get approved, or did you also get ghosted by the underwriters?

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