Zillow is giving renters a new way to turn their largest monthly expense into real financial progress with CreditClimb, a credit-building tool powered by Esusu.
Renters nationwide can enroll directly through Zillow to have their on-time rent payments automatically reported to all three major credit bureaus for $20 a year. CreditClimb also lets renters track their credit score and add up to two years of past rent payments to their report, helping them build credit faster.
Nearly 87% of renters don’t see their rent payments reflected in their credit reports, a gap that can make it harder to qualify for loans, secure affordable financing or eventually buy a home. Renters using Esusu-powered programs have seen an average credit score increase of 45 points after consistent on-time reporting, collectively unlocking more than $30 billion in mortgages after reporting their rent payments.
“Renters have more options when they have paths to establish and strengthen their credit,” said Michael Sherman, senior vice president of Zillow Rentals. “That can mean qualifying for better financing, securing their next rental or moving confidently toward homeownership. With CreditClimb, renters can use the rental payments they already make to build credit and strengthen their financial future.”
Through Esusu’s technology, CreditClimb securely reports payments to Equifax, Experian and TransUnion, ensuring that on-time payments contribute positively to renters’ credit profiles. Enrollment for CreditClimb is open now. Renters simply verify their lease details and payment method, and Zillow and Esusu handle the rest.
“Esusu is honored to support CreditClimb and expand new credit-building opportunities for Zillow users across the country. Credit is more than a number on a page. It is a gateway to dignity, stability, and a chance to pursue the American Dream,” said Samir Goel and Wemimo Abbey, co-founders and co-CEOs of Esusu. “By joining forces, Esusu and Zillow are helping millions of renters step into a future where their hard work is recognized, their aspirations are supported, and their dreams are finally within reach.”
Since launching free rent reporting for users paying rent on Zillow in early 2024, Zillow has helped more than 147,000 renters turn on-time payments into credit progress. CreditClimb expands that access to every renter in the U.S., reinforcing Zillow’s commitment to helping people not just find a home, but also build lasting stability.
