Which credit bureaus does Esusu report to?

Esusu reports your eligible on-time rent payments to the 3 major credit bureaus: Equifax, Experian, and TransUnion. Your rent may appear slightly differently on each one.

Does Esusu report late or missed rent?

Esusu only reports on-time rent payments and does not report missed or late payments to the major credit bureaus. A month you paid late or missed is not sent to the bureaus at all, so rent reporting can't create a negative mark on your credit file.

What does "no data available" mean?

If Esusu can't find a matching rent payment for a given month, that month is reported as "no data available" rather than as a late or missed payment. It's a blank, not a negative.

When does reporting happen?

Esusu reports once a month, at the end of the month. To be included in a given month's reporting, your setup needs to be complete before that month closes. Once a month is reported, it generally appears on your credit report within about a week.

Can I get credit for rent I already paid?

Often, yes. Up to 24 months of past on-time rent payments may be eligible. Two things determine how much: the transaction history your bank shares when you connect your account, and your current leased premises — reporting covers the place you're renting now, not previous addresses.

Why did only a few months of my history get reported?

Some banks share only a limited window of transaction history. When that happens, Esusu may be able to report around 90 days of eligible rent payments in your first month. From there, future rent payments continue to be reported as they're detected, as long as your bank connection stays active.

I changed banks recently. Does that affect my history?

It can. Esusu can only report payments it can clearly identify in the account you've linked. If your rent came out of a different account before, or your rent amount or payment date changed, some earlier months may not be reportable.

How much will my credit score go up?

Using rent reporting doesn't guarantee an increase in your credit score. Scores are calculated by the credit bureaus using many factors, including payment history on your other accounts and how much of your available credit you're using. Many renters begin to see an impact within three to six months of consistent reporting, but individual results vary.

My score dipped after I started. Why?

A small, temporary dip is normal whenever a new account first appears on your credit file — a credit card, an auto loan, or a rent tradeline. A new account lowers the average age of your accounts, which is one scoring factor. This typically stabilizes as on-time payment history builds.

I already have several credit accounts. Will this still help?

It may help less. If you already have multiple open accounts in good standing, adding rent may not move your score much, and the new-account dip above still applies. Rent reporting tends to do the most for people with thin or limited credit files.

I already use an app to check my credit score. Why do I need this?

Credit monitoring apps show you the score you already have. They don't add new payment history to your credit file. Rent reporting does — it puts on-time rent payments you're already making onto your credit report.

What name should I look for?

Your rent tradeline may appear as Esusu, Esusu Financial, ESUSUFIN, or Esusu/Residence. If you don't see any of those, look for an open rental or open account entry matching your rent amount.

Why does my rent show up as a loan?

The credit bureaus and most credit monitoring apps sort every account into standard categories, and rent reporting sometimes lands in one labeled "Installment" or "Open." You didn't take out a loan — that's just how the tradeline gets classified so it can be scored alongside your other accounts. Your lease is still a lease.