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Here's your money briefing for Friday, February 21st.

I'm Mariana Aspuru for the Wall Street Journal.

Landlords are using a harsh tactic in rent disputes, damaging tenants' credit scores.

And we talked to some people whose credit score went down one or 200 points as a result of this.

And so it can be an instance where, you know, maybe the alleged debt is small,

or it can be that the credit ratings agencies say, just because you have this debt,

we think that it is significant, and it's going to cause your credit score to follow up.

We'll talk with Wall Street Journal reporter Caitlin Ostroff about how tenants are fighting back.

That's after the break.

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and conditions apply. More than half of all small claims disputes are rent cases. But unlike in court, landlords and debt collectors can act as both judge and jury by reporting rent disputes directly to credit bureaus.

Wall Street Journal reporter Caitlin Ostroff joins me.

Caitlin, why are landlords taking this approach?

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