Breaking your lease and moving out doesn't affect your credit score. However, a lease is a legally binding document so you inspect it to see if it details what the penalty will be for leaving early. If no fee is described, speak to your landlord and come to an agreement on a penalty.

Credit Consequences

If you can't pay the landlord, that by itself won't show up on your credit history. However, your landlord can hire a collection agency to hound you for money. The agency can notify credit bureaus about the unpaid rent checks. Another risk is that your landlord takes you to court. If the landlord wins, the judgment goes on your history, too. Once nonpayment is on your credit history, it's there for seven years.