Credit agencies - at least in the US - really don't know when you pay the rent, though, unless the landlord reports this. Same for payments: This is a big part of the reason you cannot simply live within your means [1] and have good credit later in life.
You won't.
Many companies - utilities, landlords, hospitals, and so on - simply won't report anything unless it is negative. The negatives are usually sending something to in-house collections, a collection agency, or filing a civil suit to get the money.
Loans, in general, will report. This includes credit cards. Some of the buy here/pay here places won't report, though, so you get no help on your credit.
[1] What I mean by "live within your means" is to simply do things like pay cash for a used car, rent an affordable place, and simply pay your bills on time.
You won't.
Many companies - utilities, landlords, hospitals, and so on - simply won't report anything unless it is negative. The negatives are usually sending something to in-house collections, a collection agency, or filing a civil suit to get the money.
Loans, in general, will report. This includes credit cards. Some of the buy here/pay here places won't report, though, so you get no help on your credit.
[1] What I mean by "live within your means" is to simply do things like pay cash for a used car, rent an affordable place, and simply pay your bills on time.