Build your credit
by paying rent
No hard credit pulls. No hidden fees. Late or missed rent is never reported.
How does rent reporting work?
Start building your credit
Sign Up For $20
Per Year
Esusu Reports Your
On-Time Payments
Prepare For Future Homeownership
Zillow is built on a deep understanding of movers' needs and a motivation to help you accomplish your moving goals, whether that's choosing your next rental or preparing to buy your first home. We believe rent reporting can help you start building a credit profile that supports your future home buying goals, without taking on debt.
We're partnering with Esusu, a financial technology company dedicated to expanding fair credit and financial access. Esusu helps renters build credit while giving property partners tools that promote financial stability.
Through our partnership, you can report your rent for an exclusive annual rate of $20, helping you get credit for one of your current largest monthly expenses, your rent
Yes, when your landlord collects rent with Zillow payments you’ll have the choice to opt-in to free rent reporting. Plus, there’s no fee to pay rent with Zillow when you pay with a direct bank transfer.
After requesting online payments, you’ll get an invite from your landlord. Confirm your information, like your name, email, and date of birth, and add your payment method to start paying rent online. You should see your rent payments on your credit report within 60 days of the date the payment was reported.
Interested in this option? Ask your landlord to use Zillow payments today.
Late rent payments (rent paid 30 days past due) won’t be reported to Experian, Equifax, or TransUnion. Consistent, on-time payments are key to building positive credit history, which is one of the factors credit scoring models take into account.
Yes, you can include up to 24 months of past payment history on your current lease in order to establish positive credit history faster. You’ll select these payments when setting up your account.
When you report rent with Zillow x Esusu, your payments are reported to the three major bureaus: TransUnion, Experian, and Equifax. When you report with Zillow payments your payments are reported to Experian and Equifax.
* Based on active renters at active properties from enrollment through Q4 2025. Average credit score increase calculated by comparing enrollment credit score to latest available credit score as of Q4 2025, treating renters with no credit score at enrollment as having a score of zero. Esusu only reports on-time rent payments and does not report missed or late rent payments to the credit bureaus. Using Esusu rent reporting services does not guarantee an increase in credit scores or approval for any credit product, as scores are determined by credit agencies using multiple factors including payment history on other accounts, credit utilization rates, and other variables. Individual results vary and are not guaranteed.