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Date: 2019-03-05 03:19 pm (UTC)I also have the impression that your rental payments and utility costs might not leave a paper trail? If that's so, it too is probably damaging your credit rating. Same principle, in that you're not establishing a record of paying your bills, even though you are, in fact, paying your bills.
A million and one things are wrong and unjust about credit and credit ratings, but there you have it, that's how it works. The Wikipedia article "Credit Scores" is pretty good.
/is not a financial adviser but has a mortgage so has perforce developed familiarity with this system
ETA: I've been freelance for decades so didn't know this, but the Wikipedia article also mentions that more and more employers are using credit scores in evaluating job applicants. YES THIS IS EXACTLY AS SHITTY AS YOU THINK IT IS.