Back to today’s briefing

Story perspectives

Experian to Include Rent in Credit Scores Starting Soon

11/4/2025

25 5 Full Breakdown

Summary

Story summary

Experian, UK's credit ratings agency, will include rental payments in credit scores for the first time.
The scoring range changes from 0-999 to 0-1,250, with bands removing 'poor' and 'very poor' terms.
Experian reports 44% of customers may drop a score band and 42% could move up.
The changes do not affect loan or mortgage eligibility.
The new system will roll out this month and be available by end of 2025.

History

Historical Context

The Fair Credit Reporting Act (FCRA), enacted in 1970, established crucial regulations for credit reporting agencies like Experian, ensuring accuracy and consumer rights. With around 50 million Americans affected, recent changes to include rental payments in credit scores aim to enhance financial access for renters, potentially impacting 44% of consumers by 2025 and reflecting ongoing efforts to improve credit fairness.

1 of 2

Story summary

Experian, UK's credit ratings agency, will include rental payments in credit scores for the first time.
The scoring range changes from 0-999 to 0-1,250, with bands removing 'poor' and 'very poor' terms.
Experian reports 44% of customers may drop a score band and 42% could move up.
The changes do not affect loan or mortgage eligibility.
The new system will roll out this month and be available by end of 2025.

1 / 2