Hit 680 FICO after a year of on-time payments and it kind of changed my mindset

I was talking to my landlord last week about renewing my lease in Austin and he mentioned my credit score from the initial check, which made me realize I actually moved the needle. He said 'you're finally in the range where you qualify for better rates' and that simple comment made me rethink how I treat every single bill now. Has anyone else had a random conversation that made credit stuff click different?

3 comments

3 Comments

evan_grant702d agoMost Upvoted

Used to think rent payments didn't matter but that landlord comment definitely flipped my view.

morganl712d ago

Wow, wait, hold up. Did you say your landlord actually brought up your score? That's wild to me. I had to practically beg my old landlord to even tell me if my rent was being reported, and he acted like I was asking for his bank password. @evan_grant70 you're totally right that it changes your whole view on payments once someone actually acknowledges them like that. I've had credit card companies and even a car dealer give me the runaround, but never once had a landlord just flat out say "hey, you're in a better spot now." That kind of real talk would make me rethink every single bill too, not just the ones they see. Honestly, I'd probably start double checking all my due dates and maybe even pay things early just to keep that momentum going.

the_felix1d ago

My old landlord was the opposite, never said a word about my score until I moved out and found out they never reported anything at all. That whole year of on time payments was basically invisible to the credit bureaus. So hearing that someone's landlord actually brought it up and showed them the numbers, that would make me look at my whole payment routine too. I'd probably set up auto pay on everything just to make sure I didn't slip up after getting that kind of confirmation. It's crazy how a little feedback can change how you handle your money.