Our 2025 Year in Review is Here
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2024
A Year In Review
Unlock Tomorrow
Mission
Dismantle barriers to housing for working families
Vision
Unleash The Power of data to bridge the racial wealth gap

Esusu Stories

As we close the chapter on 2024, we find ourselves reflecting on a year that has been as challenging as it has been transformative. In the face of one of the most difficult housing markets in history, our commitment to tackling credit inequity and unlocking opportunity for millions of renters has never wavered. We remain incredibly optimistic about the possibilities 2025 will bring.

Man in a blue polo shirt speaking with a house and wooden staircase in the background.

Unlocking Unprecendented Economic Activity

Esusu renters have now accessed over $46.9B in new credit tradelines

$29B+

Mortgages

$8.6B+

Auto Loans

$2.1B+

Student Loans

$7.1B+

Credit Cards

Unlocking Housing Stability

Rent Relief

“I recently found out I was a high risk pregnancy, and had to leave my job. I didn't know how I would pay my rent. I went into my apartment office, and found a brochure about rental relief. I signed up within 20 I received an email about thing I had to show proof of. Turned all my paperwork in, and within 2 days I was called saying I was approved. Esusu came in at the right time, a true life saver.”

Latoya R.

$23M

in funds disbursed to date. 
Over 12,000 families avoiding eviction

Rent Relief

“I began my journey with Esusu in April 2023 for rent relief program at my current housing complex, which was truly a God-send. Since then, my credit stability has improved tremendously with each on-time monthly payment and has increased my credit score and afforded me other opportunities to continue growing.”

Eugene H.
Woman with long braided hair and glasses speaking in a dimly lit room with blurred windows in the background.

"Esusu Made Me Feel Like Part Of A Family"

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Unlocking Better Credit

~200,000

Renters established their first-time credit scores through Esusu, a 45% increase from to 2023

Establishing credit opens doors to better housing, mortgages, and education opportunities.

Esusu renters saw an average credit score increase of 45 points
—a testament to what happens when we level the playing field

+36

point average increase in their credit scores in 2023

+45

point average increase in their credit scores in 2024

12%

of renters moved from sub-prime to prime

$50 Billion

In Credit Activity Unlocked—Doubling Up From 2023

Smiling young man with curly hair wearing headphones illuminated by sunlight near a window.
Smiling young woman with bantu knot hairstyle wearing a purple blazer taking a selfie on her smartphone outdoors with buildings in the background.
Mobile banking app screen greeting user Abbie with options to unlock Esusu Pay, view credit score of 650 marked as good, access top offers including Merit America career advancement, and use toolkit sections for Everyday Savings and Building Wealth.
Woman with curly hair and glasses sitting on a couch, smiling while looking at her phone.
Group of diverse young friends laughing and having fun outdoors on a sunny day.
“I have been using Esusu for under a year. My experience with building credit and financial stability before Esusu was non existent because I didn’t have financial discipline. Esusu has had such a positive financial impact on my life with its extensive support system to help you on your financial journey. Building credit and financial stability is important to a healthy credit portfolio.”
Daphne H.
Daphne H.

Renter

“I began my journey with Esusu in April 2023 for rent relief program at my current housing complex, which was truly a God-send. Since then, my credit stability has improved tremendously with each on-time monthly payment and has increased my credit score and afforded me other opportunities to continue growing.”
Eugene H.
Eugene H.

Renter

When I needed help Esusu was there. I appreciate everything they did for me. Grateful for the reminders about the payment. I want to end this with a note: if you need help don't be afraid to ask. There are still people out there that are willing to help. Thank you Esusu.
Gina S.
Gina S.

Renter

“I have to say. This is an excellent company. I really had a hard time getting assistance from other places and when I applied with Esusu it was easy application. The customer service representatives were very knowledgeable and friendly. They really helped me out in my time of need. The repayment options are affordable and they really put my mind at ease through a difficult time in my life. I would recommend this company to others.”
Sharon S
Sharon S

Renter

“I am a single mother and I was overwhelmed with anxiety not knowing how I was going to catch up on my rent. Thankfully Esusu helped me on my rent if not I would have been evicted from my home with my children.”
Jennifer
Jennifer

Rent Relief Recipient

“I was backed up due to medical expenses and this program helped me out so much. Thank you for coming in and saving my household I appreciate this and would recommend to anyone. I have no credit as well and not hopeful I would get approved but I did!”
Shii V
Shii V

Renter

“Words cant express how much I appreciate this company. Such a great company. Im so thankful I was able to work with them. Thank you again.”
Alexandria F
Alexandria F

Renter

“Esusu has been a great company to work with. Their response time has been outstanding. They make everything seem so easy from start to finish. My life has been a roller coaster ride trying to keep up with bills until I came in connection with these guys. I will be using Esusu again if needed. I recommend them to anyone. You won’t be let down or disappointed.”
Natasha M
Natasha M

Renter

Esusu helped me when I was in a bind when the government shutdown and I couldn't receive pay until it reopened leaving my rent behind two months. The process was fast and easy everything took a week from applying to getting approved to my rental place receiving funds to bring my account current. The fact its zero interest meaning you only pay what you borrow is something you cant get no where these days, they respond quickly and have good consumer service. If I need to use their service again I would definitely use them again. Thank you Esusu for being a company people can rely on in the time of need!
Brittney R.
Brittney R.

Renter

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Inside Your Credit Hub Experience

myEsusu Mobile App

myEsusu, our first direct-to-consumer financial health membership, expands access to affordable credit-building tools beyond our 250,000-property network.
Esusu dashboard on a mobile screen showing a credit score of 756 rated as good on a color-coded gauge from 300 to 850 using VantageScore 3.0.

Esusu Dashboard

The Esusu Dashboard provides data insights and impact reports to help clients make informed decisions for their properties and communities.
Credit score summary showing lowest score of 477, average of 641, and highest of 770 with bar chart

Renter Marketplace And Toolkit

Esusu’s Renter Marketplace and Toolkit is a one-stop shop for renters’ financial success. We’ve added even more resources to help save money, improve financial health, and achieve the biggest life goals—all in one place.
Partnership logos

Ubuntu

Esusu’s Enterprise Marketplace connects portfolios and properties with the most in-demand vendors and service providers to help streamline your operations and resident management
Credit report document showing score of 756 rated as good, updated by Equifax and calculated by VantageScore 3.0

Esusu Rebranded

This year, we unveiled Esusu 2.0 with our new tagline: Unlock Tomorrow—a call to action for renters, partners, and collaborators to help build financial freedom and stronger communities. Our rebrand reflects progress and trust, with a modern logo inspired by the Bese Saka and Lotus Flower, symbols of wealth, strength, and unity. This evolution underpins The Esusu Movement and our audacious Master Plan, bringing us closer to the many millions in this country left behind by the current status quo. Together, we’re making the American Dream more accessible for all.
Esusu Rebrand Moodboard

Industry Highlights

Smiling middle-aged woman with blonde hair in a navy blue shirt stands with arms crossed next to a smiling black man in a dark suit and white shirt against a blue background.
Atlantic Re:think spoke with Wemimo and Fannie Mae’s Nancy Atwell, SVP and Multifamily Chief Operating Officer about what we learned one year into the positive rent reporting pilot.
Read More
Two women engaged in a conversation while seated in a newsroom with multiple monitors and desks in the background.
Priscilla Almodovar, CEO of Fannie Mae spoke with CNBC about how on-time rent payments can help credit invisible customers be seen. Esusu has been one of the largest data providers in the Fannie positive rent payment pilot.
Read More
Operation hope logo
We partnered with Operation HOPE to provide free financial coaching to Esusu renters. Wemimo joined John Hope Bryant on Bloomberg TV to discuss the power of financial literacy. Renters work with coaches to reduce debt, build savings, and create actionable financial plans.
Read More
Esusu CEOs Wemimo and Samir

Looking Toward 2025:

A letter from our founders

At Esusu, we embrace the principle of ‘Ever Evolving.’ This belief has guided us through a year of innovation and growth, positioning us to tackle the challenges ahead. As housing affordability and financial health take center stage nationally, we’ve witnessed the transformative power of providing people with tools to build stability and unlock opportunity—proving that when individuals thrive, entire communities flourish.

This underscores both the urgency of our mission and the responsibility we carry to uplift the communities we serve. We remain committed to adding value for our clients, championing human potential, and giving people the opportunity to succeed. The best days of Esusu are still ahead, and we are profoundly grateful for your support on this journey of impact and shared prosperity. Together, we will shape a brighter, more equitable future. Thank you for being with us every step of the way.

Forward together,

CEO Signatures

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