<prompt> Human: So we got a letter from our apartment complex saying they will work with a 3rd party and report my rental payments to credit agencies, however you have to sign up with this 3rd party agency for 5month.Background on my situation, Im 26 made some dumb decisions in my late-teens early 20s so have about 25k in debt. Make 65kyear pay 1,400month in rent and have about a 600 Credit Score.How much would on time rental payments actually improve my credit?Please and thank you.  <response>: No do not pay this. Rental payments are not a form of credit and will not improve your score. There is no LOC. Its not even a factor in the formulas for credit bureaus. The only way it will be factored is if you dont pay and there is a public record for a judgementcollection against you. Nothing positive only negative. 