Build credit when you pay rent
Reporting consistent on-time payments to the major credit bureaus help build your credit history. On average, Esusu renters see an average increase of 45+ points.*
Join CreditClimb today for just $20 yearly.
Your path to stronger credit opportunities
Sign up for $20 per year
Join the over 5 million renters who report rent with our trusted partner, Esusu.
Esusu reports your on-time payments
There’s no hard pulls on your credit or hidden fees, plus late or missed rent is never reported. However, consistent on-time payments help build your credit.
Build positive credit history
Esusu renters have seen an average +45 increase in their credit scores.*
Prepare for the future
Rent reporting can help you start building a credit profile that supports your future home buying goals, without taking on debt.
Join millions of renters building their credit
My credit went up 130 points, and I was able to qualify for student loans to go to grad school.
Joel F.
Renter
I already had a favorable credit score. However, the positive impact on my financial wellness journey (about 15 points) has allowed me to have more options.
Barbra M.
Renter
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.
Felix C.
Renter
Easy to use and no brainer concept. I love that I can help build my credit score by simply paying rent.
Renee A
Renter
Frequently asked questions
Our responses to commonly asked questions about rent reporting.
- Why is Zillow partnering with Esusu?
Zillow is partnering with Esusu, a financial technology company dedicated to expanding fair credit and financial access, to help renters build credit while giving property partners tools that promote financial stability. We believe rent reporting can help you start building a credit profile that supports your future home buying goals, without taking on debt.
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.
- Does Zillow offer a free rent reporting option?
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.
- What happens if I pay rent late or miss a payment?
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.
- Can I use past rental payment history?
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.
- Which credit bureaus are my rent payments reported to?
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.
* Credit score range based on the VantageScore® model (300–850). According to VantageScore, scores from 661–780 are considered “Good.”
* Based on active renters with available credit score data as of June 2024. Individual results may vary. Credit scores are determined by credit bureaus based upon existing credit profile, credit utilization, payment history and other credit factors.
