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News Back Local NYC News New York State News National News Politics Crime & Public Safety Entertainment Unusual Science Sports Seen on TV FOX News Sunday Newsletters Watch Live Weather Back Forecast Closings Weather Alerts Traffic Travel News FOX 5 NY Weather App FOX Weather Good Day New York Back Good Day Cafe Good Day Street Talk Health Things to Do Watch Live About Us Back How To Stream Meet The Team FOX 5 TV Schedule FOX Shows Get Our Apps Job Opportunities Public Affairs Contact Us Contests FCC Public File FCC Applications It's 10 p.m. Money Back Consumer Recalls Business The Economy Personal Finance Real Estate Only on FOX 5 Back Street Soldiers The Tape Room Lew's View FOX 5 Flashback SkyFOX Videos Regional News Back New Jersey News - My9NJ Philadelphia News - FOX 29 Philadelphia Washington DC News - FOX 5 DC Close the sidebar Close the sidebar Fox ☰ MORE NYC LANDLORDS REPORTING LATE PAYMENTS TO CREDIT REPORTING AGENCIES By Michelle Ross Published 1 hour ago FOX 5 NY Loading Video… This browser does not support the Video element. RALLY TO PROTECT SECTION 9 FUNDING FOR NYCHA Tenants don't want to choose between getting repairs done or having their credit scores tanked. FOX 5 NY's Michelle Ross has the latest from Harlem. NEW YORK - If you're behind on rent, it could impact your credit score. More New York City landlords are now reporting late payments to credit reporting agencies. Despite this, Deborah Metts hasn't paid rent on her Harlem apartment in more than two years. She's holding out until repairs are made. "Prior to the pandemic, we experienced pretty long bouts of loss of water, loss heat in the dead winter," Metts said. "When the pandemic hit, things got worse. Elevators were broken." — Deborah Metts This sparked a robust rent strike and caused residents to form a tenant association, but now that her landlord is reporting late rent payments to credit reporting agencies, some tenants are now paying up. Metts is not one of them and her credit has taken a major hit. "Think about two years' worth of rent and what that would cost you," Metts added. "That number is approximately what is being reported as debt owed." RELATED: East Village residents forced to vacate due to luxury high-rise construction Exterior view from apartment building in the Bronx New York.There are nearly 3.5 million renter-occupied households in New York state, of which 2.1 million are in New York City. Over half of renters in New York City spend more than 30 percent of thei … Expand The letter sent to tenants reads in part: "By making timely payments, you can see an increase in your credit score. Good credit is priceless! Now you can focus on reaching your goals like buying a home, a car, or getting approved for a credit card." Mary McCune is a senior staff attorney at Manhattan Legal Services and represents the tenants at 137 W. 141st Street. She says the problem is that federal law says any entity can report late payments as long as it's done accurately, but New York State law says tenants have a right to withhold their rent. "Credit reporting agencies work on a federal, national basis," McCune said. "They don't necessarily know local law, so we find this conflict where a tenant may be exercising their right to withhold their rent in order to get repairs and yet be reported for late payments." RELATED: NYC budget cuts: FDNY forced to reduce number of firefighters on trucks, union says Frank Ricci, executive vice president of the Rent Stabilization Association, says it would not have gotten to this point if the government worked efficiently. "More owners are doing it now because the city and the state have made it so hard for owners to do business in the city with renters." — Frank Ricci McCune also says there isn't really a legal solution for this, but they would like to see federal and state players come up with a way to address this problem so that tenants don't have to choose between getting repairs done or having their credit score tanked. Fox 5 News also reached out to the landlord at Guardian Realty and has not heard back. 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