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Real Estate verified Verified Outcome TRL 9

Rent Reporting for Credit Building

domain Client: Affordable Housing / Multifamily handshake Provider: Esusu schedule Deploy: 2019-Present
92 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Integration with property management systems to report on-time rental payments to major credit bureaus, allowing tenants to build credit scores while incentivizing on-time payment.

rate_review Analyst Verdict

"A rare 'win-win' in ESG. Landlords get better payment performance (tenants don't want to hurt their score), and tenants get a financial identity. It turns a sunk cost (rent) into an asset (credit history)."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Rent is the largest monthly expense for most people, yet historically it did not count toward credit scores. This left millions of renters 'credit invisible', unable to qualify for mortgages or auto loans. Landlords faced late payments with no leverage other than eviction threats.

psychology The Solution

Esusu connects to the landlord's ledger (Yardi/MRI). It validates rental payments and automatically furnishes the data to Equifax, Experian, and TransUnion. It also offers 0% interest rent relief loans to tenants facing temporary hardship, keeping them housed and the landlord paid.

settings_suggest Technical & Deployment Specs

Integrations
PMS (Yardi, RealPage)
Deployment Model
SaaS Platform
Data Classification
Financial PII
Estimated TCO / ROI
Per Unit Fee
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Data Accuracy High Strict dispute resolution process.
Tenant Consent Medium Opt-out structure.

trending_up Impact Trajectory

Audited value realization curve

Average tenant credit score increase of 36 points Verified Outcome
Primary KPI$21.9B in capital/mortgages unlocked for renters
Audit Cycle25% improvement in on-time rent collection

policy Compliance & Gov

  • Standards: FCRA / CDIA
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial PII

folder_shared Verified Assets

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Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for Affordable Housing / Multifamily without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-664
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-664

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