Zillow has reported nearly 2 million on-time rent payments to credit bureaus for free since launching its rent reporting program in 2024, with more than 78,000 renters having payments reported in July, the most in any single month and up 26% from a year ago. Insufficient credit history was the most common reason for mortgage denials in 2025, cited in nearly one-third of denials, and VantageScore found that nearly 4 million U.S. renters could become eligible for a mortgage if their on-time rent payments were reflected in their credit history. Zillow expanded the program in November 2025 to all renters via its CreditClimb tool, powered by Esusu, allowing even those who do not pay on Zillow to have payments reported, with participants seeing an average credit score increase of 53 points. Michael Sherman, general manager and senior vice president of Zillow Rentals, said rent reporting directly addresses the credit barrier that stands in the way of too many potential buyers.
Zillow Group Inc Class CZillow's rent reporting program reached a record 78,000 renters in July, expanding adoption of its CreditClimb tool and rentals services.
Meta Platforms Inc.Esusu powers Zillow's CreditClimb rent reporting tool, which reported a record 78,000 renters' payments in July.
