<prompt> Human: My apartment complex just started a new program through rentpayment.com that reports your on-time rent payments to TransUnion. The only downside I can see is that by paying online there is a service fee. If I have not so great credit, would it be worth paying the extra money each month to have a new account that shows that Im current on payments? Is there any downside to doing this?How would this type of account affect my credit score?EDIT: This site explains it.  <response>: Dont waste your money. Pay your bills on time and show active revolving credit management on your Credit Cards with small monthly purchases that you pay off. This is just a not-so-creative way for your Apartment complex to make more money. 