Logo
Go to Home

A Year of Forward: For Renters, Our Partners and Industry.

The year 2025 will be remembered as the inflection point where "Alternative Data" ceased to be an experiment and became an economic standard. For Esusu, it was a year of profound maturation: for our product architecture, our institutional partnerships, and, most importantly, the millions of renters who form the bedrock of our mission.

Scroll Down

The esusu
Story

01
01
Mission

Dismantle Barriers to Housing for Working Families

Green Glow Effect
02
02
Vision

Bridge the Racial Wealth Gap Through the Power of Data

Purple Glow Effect
03
03
Strategy

Unlocking high quality financial products for low-to-moderate income households.

Green Glow Effect

2025

This year was about elevation. Having spent a decade engineering the data infrastructure to bridge the gap between monthly rent payments and credit visibility, we are now seeing the dividends of that focus at a systemic scale.

0

Renters established
credit scores for the
first time
(⬆ 34% YoY)

0+

Average point
increase in
credit score
(⬆ 18% YoY)

$0B

Economic opportunity unlocked
(⬆ 67% YoY)

Industry Highlights

In an era where middle-income earners are increasingly sidelined from the American Dream, these figures represent a structural counter-current. Our optimism is buoyed by policy and industry evolutions that make this moment bigger than us: FICO and VantageScore rolled out modern underwriting engines that include rent as a tradeline, heralding the FHFA’s directive for Fannie Mae and Freddie Mac to factor rent history into mortgage underwriting.

What began as a goal to make rent count has become a permanent shift in how credit is built and evaluated. With policy alignment, industry adoption, and measurable impact, the future of credit is more inclusive and already underway.
Zillow and Esusu partner to expand credit-building for Renters
Renters who pay on time deserve credit for it.Zillow® is expanding its rent reporting capabilities through a new partnership with Esusu, making it easier for millions of renters tobuild their credit historyand improve financial readiness for their next move.
Read More
Historic $23 Billion Credit Access Milestone Achieved by Esusu and NRHC
Esusu (a rent reporting and financial health company) and the National Rental Home Council (NRHC) have announced significant achievements from their two-year partnership focused on improving renters' financial outcomes. NRHC represents the single-family rental home industry.
Read More
OneUnited Partners With Esusu To Boost Homeownership
Research from the Urban Institute found that while Black homeownership rates increased slightly during the pandemic, increasing by two percentage points between 2019 and 2021 (from 42.2 to 44.2 percent), higher interest rates threaten to further widen racial homeownership gaps.
Read More
Esusu and Amazon to Bring Rent Reporting and Financial Well-being to Tens of Thousands of Renters
This innovative partnership sets a new standard for private-sector collaboration to drive economic mobility and stabilize local communities.
Read More
chfa announces partnership with esusu to help chfa-supported tenants build and improve credit
Building and improving credit can empower a household’s opportunities for housing stability and economic prosperity,” said Thomas Bryan, Executive Director and CEO of CHFA. “We are glad to build off the Rent Reporting for Credit Pilot Program by partnering with Esusu.
Read More
Mayor Adams Launches Rent Reporting Pilot to Help Tenants Build Credit
New York City Mayor Eric Adams today announced a new pilot program to help tenants in affordable housing developments report on-time rental payments to major credit bureaus, in an effort to strengthen their credit scores.
Read More

FY'25 Sharpened Esusu's Focus

We exit the year better capitalized, more disciplined, and positioned to scale durable, high-margin recurring revenue streams. As we enter FY’26, our priorities are execution, hypergrowth, and long-term value creation. Thank you for your continued trust and partnership.

Unlocking tomorrow

With stronger credit scores and visibility, Esusu renters have gone on to unlock unprecedented economic opportunity from housing to education.

$49B
Mortgages
$15B
Auto Financing
$9B
Credit Cards
$4B
Student Loans

Our DNA Evolution

Beyond credit building, Esusu is becoming an ecosystem of ecosystems.

Esusu Pay

Flexible rent options including a first-of-its-kind partnership with Affirm

Zillow CreditClimb

We partnered with Zillow to launch CreditClimb, helping millions turn on-time rent into credit progress.

Renter Wellness

Connecting residents to live financial coaching, wealth building resources, and support at scale

AI Powered Security

Reimagining the financial identity of the future beginning with the Esusu Passport and fraud prevention in rental screening.

Introducing the Esusu Membership

 A comprehensive financial wellness suite designed to transform rent from a sunk cost into a powerful wealth-building asset. Building on rent reporting,  we have introduced a holistic ecosystem of flexible payments, professional coaching, and tax preparation, to help renters live their financial best.

Core
$10
per month
$55 Market Value
$660 Annual Savings
Credit Hub
Positive Rent Reporting
Esusu Passport
Marketplace Offers
Toolkit
Plus
For partnered properties only
$35
per month
$157 Market Value
$1458 Annual Savings
Everything in Core Membership
Esusu Pay
Exclusive Financial Coaching Benefits
Premium
For partnered properties only
$50
per month
$182 Market Value
$1578 Annual Savings
Everything in Plus Membership
Tax Preperation and Filing Service

We act Global

Across nine countries, our team and culture power it all
Tall, modern building with a dark exterior, showcasing a vertical design and a dramatic perspective against the sky.
Unique architectural design featuring a grid of oval windows on a vibrant orange building exterior.
Modern home with a warm wood exterior, multiple gables, large windows, and a backdrop of tall pine trees.
Elegant apartment building showcasing historic architecture, including a rounded corner, balconies, and detailed stonework.
Modern home with a warm wood exterior, multiple gables, large windows, and a backdrop of tall pine trees.
Elegant apartment building showcasing historic architecture, including a rounded corner, balconies, and detailed stonework.
Building with a clock tower, featuring a copper roof, stone accents, and a multi-peaked roofline.
Two-story gray house with white trim, an orange tile roof, and a small white fence in the foreground.
Multi-level contemporary residence featuring a minimalist design, glass railings, and outdoor living spaces.
Unique architectural design featuring a grid of oval windows on a vibrant orange building exterior.
Multi-level contemporary residence featuring a minimalist design, glass railings, and outdoor living spaces.
Unique architectural design featuring a grid of oval windows on a vibrant orange building exterior.

Beyond The Data,Real Stories

Power Our Why

“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.

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.

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.

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.

Renter

Previous
Next

“My credit score over the course of 3 to 4 months increased by about 200 points. Esusu has unlocked doors for us by being able to report our rent to credit bureaus. we bought our first house.”

David
Renter to Homeowner
Watch Video
Image inspired by the illustration used in TIME100 Next 2023 List

Our North Star for 2026

As we look toward the year ahead, our objective is nothing less than a wholesale shift in the American financial resume. We are moving toward a reality where "mortgage-ready" is no longer defined by the weight of legacy debt, but by the proven reliability of a renter. The billions in credit access already unlocked by the Esusu community are merely a glimpse of the potential that remains untapped. Our platform serves as the connective tissue in this systemic transformation, bridging the gap between invisible effort and institutional recognition.
Yet, credit building is only our point of entry. Our broader mandate is to collaborate with renters, policymakers, and industry leaders to architect a more perfect financial system—one that honors the dignity of work and meets millions of families where they are. The foundation is set; the next chapter is about scaling that resilience into a national standard.
0
1
2
3
4
5
6
7
8
9
0
0
1
2
3
4
5
6
7
8
9
0
0
1
2
3
4
5
6
7
8
9
0
%