<prompt> Human: Do rent payments build my credit? Ive heard some conflicting answers so I just wanted to confirm. If yes, then please advise on this situation: I was looking for a new apartment to rent for 6 months. A friend is on a 2 year lease at his place but will be abroad for around 6 months so I will live there in his place while he is gone, easy arrangement. Since my apartment does not have a sublease policy, Im being added to the lease for that time period. He says he will pay the rent directly to the apartment office and I can just pay him the money via venmo or direct transfer. My question is: do we both build credit out of this arrangement or is the payer of the rent important? In other words, does the person paying the rent solely build credit or is it beneficial for the both of us regardless of who pays since both of us are on the lease? Thanks in advance.  <response>: No financial institution is lending you money for rent. Its not credit. 