{"id":16689,"date":"2021-11-18T15:00:00","date_gmt":"2021-11-18T21:00:00","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=16689"},"modified":"2025-08-26T10:06:55","modified_gmt":"2025-08-26T16:06:55","slug":"does-rent-to-own-help-build-credit","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html","title":{"rendered":"Does rent-to-own help build credit?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2.jpg\" alt=\"\" class=\"wp-image-16691\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-1100x367.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-768x256.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.<\/em>&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>You\u2019ve probably heard of leasing a car. Well, rent-to-own is a similar model but for homes. You sign a contract at the beginning of your rental agreement that allows you to purchase the rented house at the end of the contract. Typically, you pay a premium monthly rent (and a nonrefundable, one-time option fee) for this opportunity. And, just like a lease on a car will count your lease payments toward the car\u2019s purchase price, a rent-to-home contract may count a portion of your rental payments toward your final home purchase.<\/p>\n\n\n\n<p>Many individuals who consider rent-to-own have poor credit that they\u2019re working on (we\u2019ll explain this later on), so they may also be wondering, \u201cDoes rent-to-own build your credit?\u201d The answer is both yes and no.&nbsp;<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/_A1RY-azbSU\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-rent-to-own-work\">How does rent-to-own work?<\/h2>\n\n\n\n<p>The rent-to-own (RTO) process is relatively straightforward. You can sign two types of rent-to-own contracts: a lease-option or a lease-purchase agreement. As the name implies, a lease-option agreement means that at the end of the contract you can choose to buy the house or walk away. In comparison, a lease-purchase locks you into the purchasing decision, so you have to buy the home at the end of the contract.<\/p>\n\n\n\n<p>Consider these pros and cons of RTO.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pros-of-rent-to-own\">Pros of rent-to-own<\/h3>\n\n\n\n<p>The individuals who opt for rent-to-own usually know they want to buy a home soon but need a little more time to improve their credit or save a bit more. As a result, rent-to-own is the perfect opportunity to <strong>start working toward that goal of homeownership.<\/strong> RTO contracts take a portion of your rent payments and apply them to your future purchase price, so it\u2019s like you\u2019re building equity while you\u2019re renting. The exact percentage of your rent that will be set aside will be negotiated and finalized in the contract.&nbsp;<\/p>\n\n\n\n<p>Another benefit is that rent-to-own <strong>allows the person to test out homeownership,<\/strong> the house and the area without being fully committed (assuming the contract is lease-option). So, if something is wrong with the house at the end of the contract or you want to move, you can simply not buy the home.&nbsp;<\/p>\n\n\n\n<p>Lastly, rent-to-own contracts often <strong>lock in a purchase price<\/strong> at the time of signing the contract. If the housing market increases while you\u2019re renting, you\u2019ve secured yourself a price and will ultimately buy below market value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cons-of-rent-to-own\">Cons of rent-to-own<\/h3>\n\n\n\n<p>Rent-to-own isn\u2019t for everyone, and it does come with some downsides. Most notably, <strong>you pay a premium<\/strong> <strong>for the option to purchase the home<\/strong> at the end of the contract. This premium comes in the form of higher-than-average rent prices (10 \u2013 15 percent higher) and the one-time option fee (often between 1 and 5 percent of the home\u2019s final price). If you don\u2019t end up purchasing the house, you\u2019ve spent additional money for no benefit.&nbsp;<\/p>\n\n\n\n<p>Additionally, if you want to buy the home at the end of the contract but can\u2019t get approved for financing, you relinquish the rights to purchase the house and all the money you put into it. And if you\u2019ve signed a lease-purchase plan and can no longer buy the home, <strong>there may be legal and financial consequences.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Also, there is a risk that <strong>the market could decline<\/strong> after you lock in a home\u2019s purchase price in the contract. If that happens, you\u2019re only left with two options: buy the house at too high a price or walk away and lose all the money you put into the RTO.&nbsp;<\/p>\n\n\n\n<p>Lastly, rent-to-own payments don\u2019t typically build your credit in the way that mortgage payments do\u2014but you might be able to negotiate something with your landlord.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.lexingtonlaw.com\/l\/rto\"><img decoding=\"async\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/09\/In-Line-Image-RTO-Cover-v2-1.jpg\" alt=\"\" class=\"wp-image-16373\" width=\"193\" height=\"250\"\/><\/a><\/figure><\/div>\n\n\n\n<p>For more information on rent-to-own, examples of contracts, red flags to look out for and ways to shop for the best deal, download the <a href=\"https:\/\/www.lexingtonlaw.com\/l\/rto\" target=\"_blank\" rel=\"noreferrer noopener\">Complete Rent-to-Own Guide for Prospective Homebuyers<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rent-to-own-and-your-credit\">Rent-to-own and your credit<\/h2>\n\n\n\n<p>Every adult consumer receives <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">a credit score<\/a> based on their credit report. Your credit report is a collection of your balances, transactions and transgressions with lenders. Based on this data, a credit score is generated that\u2019s meant to tell lenders how trustworthy you are with credit.&nbsp;<\/p>\n\n\n\n<p>A high credit score can open many doors, including lower interest rates, more credit-lending opportunities (credit cards, lines of credit, personal loans) and increase your chances of loan approvals (on mortgages, auto loans, etc.). As a result, many people focus on improving their credit and maintaining a good score.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re considering rent-to-own, you understand that you\u2019ll need to secure financing (a mortgage) at the end of the contract to purchase the property. And you might be wondering whether rent-to-own can help your credit. After all, if you can save, build up equity and improve your credit during your RTO agreement, you\u2019ll be in a great position to buy at the end of the contract.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Unfortunately, that\u2019s not how it typically works. Although mortgage payments are reported to the credit bureaus, rent-to-own agreements generally are not, which means they won\u2019t affect your credit. The same is true for most rent payments.&nbsp;<\/p>\n\n\n\n<p>However, the good news is that there\u2019s a potential workaround. If you want, you can talk to your landlord about rent reporting.&nbsp;<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/P4t8mHyvAUY\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-rent-reporting\">What is rent reporting?<\/h3>\n\n\n\n<p>You can\u2019t report your rent payments yourself, but your landlord can rent report to all three major credit bureaus (TransUnion\u00ae, Experian\u00ae and Equifax\u00ae). Rent reporting adds more data to your credit report, which can impact your score significantly. However, rent reporting is only a good choice if you make your payments on time and in full. If you\u2019re responsible with your rental payments, your credit will be positively affected. However, it\u2019s important to understand that if you miss any payments, your score will be hurt.&nbsp;<\/p>\n\n\n\n<p>Ask your landlord about rent reporting. You can even potentially add a clause in the RTO contract that requires the owner to report your payments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-take-advantage-of-the-extra-time-to-build-credit\">Take advantage of the extra time to build credit<\/h2>\n\n\n\n<p>Rent-to-own agreements are specifically good if you need time to work on your credit. You can use the rental period to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-build-credit\" target=\"_blank\" rel=\"noreferrer noopener\">improve your credit,<\/a> so when it comes time to switch to a mortgage to buy the house, you can get a better mortgage with more favorable terms.&nbsp;<\/p>\n\n\n\n<p>You can work hard to build your credit during this time by paying down your debts, paying all your bills on time and evaluating your credit report for errors. According to <a href=\"https:\/\/advocacy.consumerreports.org\/research\/a-broken-system-how-the-credit-reporting-system-fails-consumers-and-what-to-do-about-it\/\" target=\"_blank\" rel=\"noreferrer noopener\">a Consumer Reports survey,<\/a> approximately 34 percent&nbsp;of Americans have a mistake on their credit report. These mistakes can be <a href=\"https:\/\/www.lexingtonlaw.com\/education\/bad-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">dragging your credit score down<\/a> and jeopardizing your future mortgage approval.&nbsp;<\/p>\n\n\n\n<p>You can also use the additional time to build your savings or down payment amount.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-setting-yourself-up-for-success-with-rent-to-own\">Setting yourself up for success with rent-to-own<\/h2>\n\n\n\n<p>Overall, if you believe rent-to-own is the right option for you, make sure you position yourself to end the contract in a solid financial position. Save money and improve your credit so your chances of getting approved for a mortgage with great terms are higher. Let\u2019s say your hard work gets you approved for a mortgage at a 0.5 percent lower interest rate. The difference is shocking when you compare a 3 percent versus 2.5 percent interest rate on a $250,000 mortgage over 30 years. That slight reduction in interest will save you over $23,000. This is precisely why good credit matters.&nbsp;<\/p>\n\n\n\n<p>Ensure your credit report is accurate so you don\u2019t have incorrect negative items impacting your score. The credit repair consultants at <a href=\"https:\/\/www.lexingtonlaw.com\/our-firm\" target=\"_blank\" rel=\"noreferrer noopener\">Lexington Law Firm<\/a> can get you started with a thorough review of your credit reports from each credit bureau. If any errors are found, we can file disputes on your behalf so you can be fully prepared for when your RTO contract ends.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile\" style=\"grid-template-columns:15% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"75\" height=\"75\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/10\/75x75px_Vince-Mayr.png\" alt=\"\" class=\"wp-image-14519 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<p><strong>Reviewed<\/strong> by <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/about-lexington-law\/profiles\" target=\"_blank\" rel=\"noreferrer noopener\">Vince R. Mayr<\/a>, Supervising Attorney of Bankruptcies at Lexington Law Firm. <strong>Written<\/strong> by Lexington Law.<\/p>\n<\/div><\/div>\n\n\n\n<p>Vince has considerable expertise in the field of bankruptcy law. He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n\n\n\n<p> <em>Lexington Law is not an RTO company. Any content provided on this website regarding the topic of RTO is nothing more than a resource Lexington Law believes might be helpful to readers of its website. Lexington did not write this content. It was provided by a third party. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers. Lexington did not write this content. It was provided by a third party.<\/em> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.<\/p>\n","protected":false},"author":63,"featured_media":16751,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[534],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does rent-to-own help build credit? - Lexington Law<\/title>\n<meta name=\"description\" content=\"This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does rent-to-own help build credit?\" \/>\n<meta property=\"og:description\" content=\"This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html\" \/>\n<meta property=\"og:site_name\" content=\"Lexington Law\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-18T21:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-26T16:06:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lexington Law\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#website\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/\",\"name\":\"Lexington Law\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lexingtonlaw.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg\",\"contentUrl\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg\",\"width\":250,\"height\":365},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#webpage\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html\",\"name\":\"Does rent-to-own help build credit? - Lexington Law\",\"isPartOf\":{\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#primaryimage\"},\"datePublished\":\"2021-11-18T21:00:00+00:00\",\"dateModified\":\"2025-08-26T16:06:55+00:00\",\"author\":{\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#\/schema\/person\/3bdde08475ff103d98185ad2f04d0bcd\"},\"description\":\"This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"All Posts\",\"item\":\"https:\/\/www.lexingtonlaw.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finance\",\"item\":\"https:\/\/www.lexingtonlaw.com\/blog\/category\/finance\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Does rent-to-own help build credit?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#\/schema\/person\/3bdde08475ff103d98185ad2f04d0bcd\",\"name\":\"Lexington Law\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/07\/cropped-wp-logo-1-96x96.png\",\"contentUrl\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/07\/cropped-wp-logo-1-96x96.png\",\"caption\":\"Lexington Law\"},\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/author\/lexington-law\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Does rent-to-own help build credit? - Lexington Law","description":"This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html","og_locale":"en_US","og_type":"article","og_title":"Does rent-to-own help build credit?","og_description":"This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.","og_url":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html","og_site_name":"Lexington Law","article_published_time":"2021-11-18T21:00:00+00:00","article_modified_time":"2025-08-26T16:06:55+00:00","og_image":[{"width":250,"height":365,"url":"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Lexington Law","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/www.lexingtonlaw.com\/blog\/#website","url":"https:\/\/www.lexingtonlaw.com\/blog\/","name":"Lexington Law","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lexingtonlaw.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","@id":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#primaryimage","inLanguage":"en-US","url":"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg","contentUrl":"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg","width":250,"height":365},{"@type":"WebPage","@id":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#webpage","url":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html","name":"Does rent-to-own help build credit? - Lexington Law","isPartOf":{"@id":"https:\/\/www.lexingtonlaw.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#primaryimage"},"datePublished":"2021-11-18T21:00:00+00:00","dateModified":"2025-08-26T16:06:55+00:00","author":{"@id":"https:\/\/www.lexingtonlaw.com\/blog\/#\/schema\/person\/3bdde08475ff103d98185ad2f04d0bcd"},"description":"This comprehensive guide describes how the rent-to-own process works, if it builds your credit and if it\u2019s the right housing option for you.","breadcrumb":{"@id":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/does-rent-to-own-help-build-credit.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"All Posts","item":"https:\/\/www.lexingtonlaw.com\/blog"},{"@type":"ListItem","position":2,"name":"Finance","item":"https:\/\/www.lexingtonlaw.com\/blog\/category\/finance"},{"@type":"ListItem","position":3,"name":"Does rent-to-own help build credit?"}]},{"@type":"Person","@id":"https:\/\/www.lexingtonlaw.com\/blog\/#\/schema\/person\/3bdde08475ff103d98185ad2f04d0bcd","name":"Lexington Law","image":{"@type":"ImageObject","@id":"https:\/\/www.lexingtonlaw.com\/blog\/#personlogo","inLanguage":"en-US","url":"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/07\/cropped-wp-logo-1-96x96.png","contentUrl":"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/07\/cropped-wp-logo-1-96x96.png","caption":"Lexington Law"},"url":"https:\/\/www.lexingtonlaw.com\/blog\/author\/lexington-law"}]}},"featured_media_src_url":"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/10_option-2-resize.jpg","_links":{"self":[{"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/posts\/16689"}],"collection":[{"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/users\/63"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/comments?post=16689"}],"version-history":[{"count":7,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/posts\/16689\/revisions"}],"predecessor-version":[{"id":17095,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/posts\/16689\/revisions\/17095"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/media\/16751"}],"wp:attachment":[{"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/media?parent=16689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/categories?post=16689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lexingtonlaw.com\/blog\/wp-json\/wp\/v2\/tags?post=16689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}