New Esusu and Freddie Mac Program to Help Renters Build Credit

Esusu and Freddie Mac Multifamily launched an initiative to help renters build credit through on-time rent payments. The program encourages owners of multifamily properties to report on-time rent to the three major credit bureaus and expands access to renter financial stability tools at scale.

The need is significant. More than 45 million consumers in the U.S. are either credit unserved or underserved, limiting access to capital, homeownership, and other wealth-building opportunities. Because rent is often a household’s largest monthly expense, Rent Reporting can help turn on-time payments into positive credit history.

Through this initiative, Freddie Mac and Esusu aligned around a more equitable housing market for renters and owners alike. At launch, Freddie Mac provided closing cost credits to borrowers using Esusu, while we offered discounted pricing to Freddie Mac borrowers who agreed to report on-time rent payments through the platform.

Our Co-Founders, Samir Goel, and Wemimo Abbey celebrate this new relationship as a major step forward to push a more equitable housing market for all. Both Esusu and Freddie Mac's shared values ground this initiative as one that can have a transformational impact for millions of renters.

Samir reflects, “Esusu and Freddie Mac are committed to a more equitable housing market for homeowners and renters alike. Our joint efforts allow us to address credit invisibility, which is an essential first step towards addressing renter financial stability.” Abbey adds, “Where you come from, the color of your skin, and your financial identity should never determine where you end up in life. Esusu and Freddie Mac make it easier for many of the 44 million American renter households to build credit through rent payments."

Today, eligible Freddie Mac borrowers can access Esusu’s full suite of services free for up to two years. That includes:

• Rent reporting to all three credit bureaus;
• Access to rent relief through Stable Home Fund;
• And social impact data reporting through the Client Unified Portal.

Esusu’s broader platform helps renters build and establish credit, increase credit awareness, and verify rental history, while also helping owners improve retention and portfolio performance through stronger resident financial stability.

Since the program began, Freddie Mac, Esusu, and participating owners and operators have created measurable impact across the market:

• 184,176 total units reporting rent
• 27,393 total credit scores established
• 102,089 renters who established new credit lines

This partnership shows how rent reporting can be paired with broader renter support to create better outcomes for residents, borrowers, and lenders at the same time.

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2026 UPDATE: Our partnership with Freddie Mac has ended. Discover our active current homeownership partnerships via our resources page.