;         Without knowing the details of your contract or anything about the homeowner, the numbers suggest it's very unlikely your landlord will report your home paymentsto the bureaus. Right now, Experian is the only major bureauthat collects and lists rental payment information (through its Rent Bureau Division)on consumer credit reports -- and just over 45 property managers presently report such information to Experian. "These are generally larger property managers, and we don't currently accept reporting from individual land lords," says Brannan Johnston, vice president and managing director of Experian Rent Bureau. Those participating property managers share both positive(on-time) and negative (late or missed) payment information with the bureau,but Experian only lists the positive data on your credit report. "We don't expect to add negative data until 2012," Johnston says.     Perhaps you've some how found a property manager who reports to Experian. In that case, your positive rent-to-own payments will show up on the credit report from that bureau. Whether your borrowing behavior benefits your credit score, however,isn't guaranteed. FICO -- whose scoring model is used for most lending decisions in this country -- says it doesn't consider those payments. "Currently, rental information does not impact a consumer's FICO score, either positively or negatively," says Barry Paperno, consumer operations manager at myFICO.com, FICO's website for consumers. Still, you aren't entirely out of luck, since FICO's competitor VantageScore does consider rental information. If the payment data appears on your credit history, "whatever data is reported is what our payment model will pick up and score," says Mike Dunn, vice president of strategic planning and communications for Vantage Score. Of course, a high Vantage Score won't help you get a loan from a bank that only looks at FICO scores -- and many more banks currently use FICO in their decisions.   With all that being said, you aren't out of options for improving your credit history.Here are a few other strategies to consider:  Make sure your landlord is reporting. If you haven't found one of the few that already reports, ask the homeowner to consider reporting your payment history. If it's an individual landlord that can't report to Experian, they can still report to a company that collects alternative data (bill or utility payments, for example) such as PRBC Credit Reporting Agency. Although that reporting won't help your traditional FICO score, it could help you secure future loans from any lenders that consider such alternative data. Clean up your credit reports. Tough times may have left your personal finances in poor shape, but you shouldn't have to pay for mistakes that aren't yours. That's why I'd recommend requesting a copy of the credit reports for you and your husband from each of the three bureaus (every consumer can get one free report from each bureau every 12 months) and examining them for any errors. Look for accounts that aren't yours or negative information that's too old to appear. Dispute any such errors you find. Getting them removed should help your credit scores. Payment cards for bad credit. I'm not sure if you already have a payment card, so consider applying for a credit card or secured card aimed at con