What is rent reporting?

Rent is the largest payment most people make each month, and for most renters it never appears on a credit report. Rent reporting adds your on-time rent payments to your credit file as a tradeline — the same kind of entry a credit card or auto loan creates.

Who is Esusu?

Esusu is a rent reporting company and a Perpay partner. Esusu verifies your rent payments and reports them to the credit bureaus. Esusu is a separate company from Perpay and is not a bank. For details about their service, see Esusu's Terms & Conditions [LINK] and Help Center [LINK].

How does it work?

You connect the bank account you pay rent from. Esusu looks for your rent payments in that account's transactions and reports the on-time ones to the 3 major credit bureaus. You keep paying rent exactly the way you do now — Esusu doesn't collect your rent, and your landlord isn't involved.

Do I need to tell my landlord?

No. Your rent is verified through your bank transactions, not through your property manager, so your landlord doesn't need to participate or approve anything.

Is there a cost?

No. Rent reporting is included with your Perpay membership at no additional cost. [CONFIRM BEFORE PUBLISHING]

Will signing up affect my credit?

There's no hard credit pull to get started, so no inquiry appears on your credit report from signing up.

How do I get started?

You'll verify your identity, confirm your lease details, and link the bank account your rent comes out of.

Do I get an Esusu account?

Yes. Setting up rent reporting creates your Esusu account. You can reach it from your Perpay account, and you can also sign in to Esusu directly. That's where you'll find your rent reporting payment history, your bank connection settings, and your rent transactions.

Am I eligible?

Eligibility is tied to you as the individual who connects the bank account used to pay rent, along with your verified lease details. You'll need to be able to link the account your rent is actually paid from.

My roommate and I split rent. Can we both report?

Reporting is tied to the individual bank account holder and their verified lease information, so one connection can't cover two people. Your roommate can't report rent through your connection — they'd need their own account and their own linked bank account.

What if I pay rent in cash, or from someone else's account?

Your rent has to be identifiable as a transaction in the bank account you link. If your rent doesn't come out of an account in your name, Esusu won't be able to verify and report it.