Credit, Debt, & Investing

Turn rent payments into credit boosters

Get an exclusive discount on Esusu rent reporting

Build credit now
A black chain illustration next to the word Esusu

Millions of Americans struggle to qualify for loans and credit due to a lack of credit history. Esusu can help renters establish or build their credit scores by reporting on-time rent payments to all three major credit bureaus (Equifax, Experian, and TransUnion). The average user sees a +45 point boost in their credit score—no hidden fees, no hassle.

With an exclusive discount for WorkMoney members, it costs just $27 for the year: use code ESUSU4WM

  • Build credit: Average users see a +45 point boost to their credit score

  • Simple: Secure bank account linking, no hard credit pull, & reporting to all 3 bureaus.

  • Affordable: With an exclusive discount for WorkMoney members, it costs just $27 for the year

Build credit now

Frequently asked questions

How does it work?

You can get started by:

  • Downloading the Esusu app

  • Telling Esusu about yourself and your lease info

  • Linking your bank account and selecting your rent payments

The Esusu app will then report rent payments to all 3 credit bureaus. Now sit back and see your credit score grow!


Why does building my credit matter?

With a good credit score, you’re more likely to:

  • Get approved for credit products 

  • Qualify for lower interest rates 

  • Get better benefits on financial products

Does Esusu rent reporting affect my credit?

Yes, your credit score might drop slightly at first (10-20 points) when Esusu adds rent as a new tradeline, a standard effect of new accounts per FICO/VantageScore models. 

This dip is temporary—typically rebounding within months as on-time payments are reported to Equifax, Experian, and TransUnion (late payments aren’t reported). Esusu notes an average 45-point increase over time, varying by credit profile.

Who can benefit from this?

Anyone looking to establish or build their credit—especially renters and first-time homebuyers.

How much does it cost?

Use code ‘ESUSU4WM’ to get an exclusive discount off an annual subscription - totaling $27 for the year!

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