Millions of Californians (44% of the state’s population) pay rent responsibly every month, yet receive no credit score benefit for their largest expense. Meanwhile, missed payments harm credit when sent to collections. This imbalance denies renters a fair shot at financial opportunities like loans, mortgages, and economic stability. Studies show reporting rent  payments can boost credit scores by 20+ points, helping the “credit invisible” build a future. It’s  time to reward responsibility, not just punish mistakes.