Amos House increases average resident credit score by 90pts+ with Esusu


Amos House is a leading provider of social services in the Providence, Rhode Island region. They offer community-focused solutions to build strong individuals, families, communities, and responsible businesses.

Through its services, Amos House provides food support, emergency assistance, emergency and transitional shelter, job training, and employment services to those in need. Annually, they serve 140,000+ meals, help 75% of job training program graduates secure jobs, and move hundreds of people from homelessness to self-sufficiency, all while treating every individual with respect and dignity.


COVID-19 had devastating impacts on the financial stability of millions of Americans. Amos House felt this change in real-time as they saw an influx of 75+ unhoused individuals with emergency housing needs. Furthermore, as millions became unemployed, Amos House was forced to limit public access due to local and state mandates. Internally, Amos House had to come together as a team and pivot the organization’s service delivery model to continue providing services to those in need while maintaining employees’ well-being. Amos House needed to find ways to continue to provide social services and resources to help its constituents build a better financial future.


Amos House enrolled residents in Esusu’s rent reporting to help residents establish and build their credit scores over time.

With Esusu Rent Reporting, residents report their rental payment data to Equifax and TransUnion, enabling them to establish and build their credit profiles with on-time rent payments. Residents also can access their credit scores through the Esusu Rent Mobile App.

Build and grow credit profiles

Building resident credit scores was imperative for Amos House. Building credit would help community members, beyond COVID, achieve important milestones like renting an apartment, refinancing loans, buying a car, or getting a mortgage.

Residents enrolled in Esusu’s program saw a massive boost in credit scores. On average, residents’ credit scores increased by 90 points. There was a 65% decrease in scores within the poor range ( below 600) and a 50% increase in scores in the good range ( 661-780). These net positive changes to credit scores results in $11,000 in interest savings if residents were to take out debt for any significant life event.



Average resident credit score increased by 90 points from the start of the program.


Increase in credit scores in the good range (661-780).


Decrease in scores in the poor range (below 600).


Interest savings as a result of improvements in credit scores.