Financial stress contributes to late payments and turnover. Esusu turns on-time rent into a full financial wellness ecosystem, credit building, loyalty, and stronger portfolio performance.
Resident insightsReal-time portfolio and resident impact data
Rent reportingReports to all 3 major credit bureaus (Experian, Equifax, TransUnion)
Credit Building & Financial WellnessAccess to Financial coaching, education, and more
Flexible rent paymentsRent payment solutions that help prevent missed payments and displacement
Manual review often misses fake pay stubs and stolen IDs, leading to bad debt. Esusu Identity Services quickly flags tampered documents and fraudulent applicants, protecting NOI for as little as $0.99/unit.
Income verificationCatch edited or falsified pay stubs and bank statements
Identity verificationDetect fake or stolen IDs in real time
SSN verificationSpot synthetic identities and “CPNs” missed by credit checks
Freddie Mac
How Freddie Mac helped renters establish over 27,000 credit scores with the help of Esusu
Background
Freddie Mac is one of the largest lenders for multifamily buildings in the United States. In 2021, the organization launched its Credit Building Initiative and found that, of the 44 million renting households in the United States, the vast majority did not see their on-time rent payments reported to the major credit bureaus.
Freddie Mac began working with Esusu in November 2021. The two companies had a similar goal: helping low- and moderate-income families reach financial security by making rent reporting attainable for as many renting households as possible.
Solution
Over a year and a half since the initiative began, the results show a massive shift for renters, borrowers, and lenders.
16,900+
renters received a car loan
27,000+
new credit scores
established
184,000+
units reporting
rent
Creating opportunities through education
Establishing credit scores for renters was just the first part of the solution. Many low-income residents, especially those who had been credit-invisible before they began reporting, were eager for resources on what to do with the new financial opportunities they had gained.
Renters accessing rent reporting through the initiative also have access to Esusu’s Renters Marketplace, which helps educate renters on credit and connects them to financial literacy resources.
It includes access to Freddie Mac’s financial literacy hub, CreditSmart Essentials, which offers free financial education to help renters set themselves up for financial success as their economic stability improves.
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