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At Esusu, credit should be a tool, not a barrier. The mission is rooted in financial inclusion: helping individuals build credit, achieve upward mobility, and unlock access to opportunities.
That’s why Esusu partners with Plaid, a leader in open finance. Together, they make it easier for businesses to offer positive-only rent reporting to their users through secure, bank-connected technology that is built to scale.
Plaid’s mission to unlock financial freedom for everyone aligns deeply with Esusu’s belief that where you come from should never determine where you end up in life. By combining Plaid’s secure bank connectivity with Esusu’s rent reporting platform, this partnership powers a modern engine for economic equity.
Why This Matters
For too long, rent - the largest monthly expense for many Americans - has not counted toward building credit. Esusu works to change that by helping turn on-time rent payments into a positive tradeline with the major credit bureaus.
Through the partnership with Plaid, businesses now have an effortless way to embed positive-only rent reporting directly into their own experiences. Instead of asking users to juggle extra tools, rent reporting becomes part of the day-to-day financial journey on platforms they already trust.
This means more people can build credit just by paying rent on time, with no credit card or loan required.
How It Works
The integration is simple but powerful. Using the Plaid processor token, Esusu can instantly connect and detect rent payments from accounts customers have already linked to your platform, then report them as a dedicated rent tradeline.
With Esusu’s embedded rent reporting and Plaid connectivity, businesses can:
- Instantly connect user bank accounts using Plaid Link within their existing experience;
- Accurately identify rent payments with Esusu’s proprietary detection and lease validation technology;
- Report current and historical payments to all three major credit bureaus - Equifax, Experian, and TransUnion - including up to 24 months of eligible rental history where available;
- Handle it all with features like payment labeling, lease management, and compliant dispute resolution.
Behind the scenes, Esusu provides modern APIs, Esusu-hosted user experiences, and plug-and-play UI tools that make it straightforward for banks, fintechs, employers, and other platforms to embed rent reporting without rebuilding their entire tech stack.
And the best part? Users only need to link their bank account once. From there, rent payments are automatically identified and kept in sync as part of their ongoing financial life.
For Businesses: A Plug-and-Play Credit Builder
Esusu and Plaid’s partnership lets you offer rent reporting as a built-in feature without the heavy lifting of building your own credit reporting pipeline.
With the Plaid processor token and Esusu’s Rent Reporting as a Service (RaaS), rent payments from accounts already linked to your system can be detected, validated, and reported with precision. You get secure data connectivity via Plaid, lease validation optimized for user experience, and a compliant reporting and dispute framework that runs in the background.
This embedded credit-building feature helps you:
- Increase loyalty and engagement as users see their rent payments contribute to their credit journey;
- Unlock new revenue streams by offering rent reporting as a premium feature or bundling it with existing services;
- Improve financial access for your users by turning on-time rent into a path toward approvals, better rates, and long-term stability.
For Users: Credit Building Without the Stress
Consumers deserve credit for doing the right thing. With Esusu and Plaid, they finally get recognition for one of their biggest monthly expenses.
After a one-time account link inside your product experience, everything runs quietly in the background. Rent payments are automatically detected, validated, and reported, helping users build credit month after month without extra steps. No new standalone apps to download just to get credit for rent, no complicated workflows, and no guesswork about what is happening with their data.
The result is straightforward, meaningful impact on users’ credit visibility and long-term financial opportunities.
The Future of Renting Is Here
Esusu and Plaid are working together to make rent reporting easier, smarter, and more accessible for both businesses and renters. Embedded rent reporting turns everyday rent payments into a powerful engine for financial inclusion and upward mobility, delivered through platforms people already use.
If your business wants to help users build credit through rent, this partnership is an opportunity to offer a differentiated, high-impact feature that supports your customers’ long-term financial health.
Let’s build credit where credit is due.