<prompt> Human: Thank you for choosing apartment name, and for being an important part of our community. We are pleased to announce a new program called program name thats linked to apartment name. program name thats linked to apartment name. will help you build your credit simply by paying rent! Heres how it works: You pay your rent on time as usual. We report those prompt payments to the credit bureaus. You have access to excellent online credit resources Credit learning library Personal credit financial counseling Each resident ages 18 or older are eligible to report As your on time payments are recorded, you can improve your credit! To enroll for this unique opportunity, please sign the attached form and bring it to the leasing office. The monthly cost is 5.95 tax if applicable per enrolled adult. If you would like more information on program name thats linked to apartment name., please see the attached brochure and visit website to learn more. If you have further questions, please contact the leasing office at phone number.So, shouldnt the apartment be reporting payments anyways? Do people actually do thisand if so, why?Assistant: So, shouldnt the apartment be reporting payments anyways?No. Rent is not a line of credit.The monthly cost is 5.95 tax if applicable per enrolled adult.Not worth it then. Great credit scores can be built for free.Human: No. Rent is not a line of credit.Interesting. I always thought that monthly payments like tv, internet, rent, etc positively affected your score. Does this mean that if I only use debit my credit score will never actually improve? Will it decrease over time?  <response>: I always thought that monthly payments like tv, internet, rent, etc positively affected your score.Most of these arent reported.Does this mean that if I only use debit my credit score will never actually improve?Correct. Debit is not credit. 