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Report on 'credit invisibility' problem

A joint study by HUD and the Policy and Economic Research Council (PERC) examined how reporting rent payments made by thousands of HUD-assisted households to nationwide consumer reporting agencies would impact the credit ratings of these families. The study also sought to determine whether reporting rent payments to consumer credit reporting companies would overcome the problem of "credit invisibility."

The results of this preliminary research show that including rental history in credit reports could increase the proportions of tenant with scoreable credit histories and with good credit scores, but the change could be detrimental to credit scores for a subset of tenants.

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