For tens of millions of households in the United States, rent is the single largest recurring expense. It is paid monthly, often on time, and sustained over years or decades. Yet for most of modern credit history, rent has remained largely invisible to the systems that determine creditworthiness, access to capital, and long-term financial mobility. This disconnect is not incidental. It is structural. And it sits at the center of how credit infrastructure was designed, how risk is assessed, and why large segments of the population remain excluded from wealth-building pathways despite consistent payment behavior. Understanding why rent became the

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