Faces of RentReporters: Shelly

Shelly Onaka, Project Coordinator

Why I Joined RentReporters:

My credit took a dive after my husband and I separated. While we were married, all the bills were under my name, and he paid the bills. When we separated, he suddenly stopped paying them, and as a result, my credit score went down to the low 600s!

As an adult with years of responsible financial behavior, this was new territory for me. I was unemployed. The bills my husband and I acquired together were not being paid. And because of my credit score, I was not able to gain access to any credit.

I know how credit works and what I needed to do to get myself back on the right path, but once your credit score goes so low, getting help becomes nearly impossible. For example, I belong to a credit union, so I went to them to get a loan, be approved for a credit card – anything to build my credit, but I was denied over and over again because of my low credit score. As time passed by, my credit history became stale, and as a result, banks and lenders wouldn’t give me a chance. This went on for 11 years, and short of filing for bankruptcy, I tried everything to get back on track with my credit score.

After I read about RentReporters, I decided to sign up. Before then, I didn’t know my rent payments could be reported to the nationwide credit reporting agencies to help build up my credit score. Within two to three weeks of becoming a RentReporters customer, my credit score went up, and today, my score went from 624 to 716!

After Joining RentReporters:

Life has changed in so many wonderful ways. I recently moved to a new city for a new job. After 11 years of living without credit and making cash only purchases, I now have a credit card! I also leased a car and rent my own house. With my new score, I am able to live my life and have gained back my independence.

My Experience with RentReporters:

The RentReporters team was extremely supportive and hands on. They answered all of my questions and thoroughly explained the rent reporting process. I had such a positive experience with them and have recommended RentReporters to my colleagues and friends. If, like me, you’re looking to build or improve your credit score, contact RentReporters.

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