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In January, credit reporting agency Experian started including residential rental payment data on its credit reports. Previously, only mortgage payments were recorded because banks report monthly to the credit bureau.

This change will not, however, affect every consumer's credit because most landlords still do not report payments to Experian. But the company does expect the number of people impacted to be in the "low millions."

For those of you who aren't as responsible with your monthly payments, you're safe -- for now. Only positive accounts are currently being included on Experian reports. But the agency hopes to begin adding negative accounts to its reports next year.