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What is the Core Membership?
The Core Membership is Esusu’s credit-building membership for renters. It is designed to go beyond rent reporting by giving members access to tools, resources, and support that make it easier to navigate the U.S. credit system and build long-term financial stability. The experience lives inside the Esusu app, where renters can access credit-building tools, savings opportunities, and financial resources in one place.
Instead of treating credit building like a one-time fix, the Core Membership is built to support your financial journey over time with practical tools you can actually use.
What you get with Core Membership
Positive Rent Reporting
Build credit by getting recognized for eligible on-time rent payments.
Marketplace
Access hand-picked offers designed to help you save money and support your financial goals.
Toolkit and financial resources
Explore free tools, educational resources, and local support options that can help you strengthen your financial foundation.
Credit Score Hub
Track your credit score, monitor changes over time, and understand the factors affecting your credit health.
How to get started
Step 1
Download the Esusu app and create an account.
Step 2
Verify your identity and provide your lease information. As long as you pay rent and your name is on the lease, you can move forward.
Step 3
Connect your bank account through Plaid and select your rent transactions for up to 24 months on your current lease.
You’re now ready to start your credit journey
Why build your credit with the Core Membership?
In the U.S., more than 45 million consumers are either credit unserved or underserved, according to TransUnion. That includes about 8.1 million unserved consumers and about 37 million underserved consumers. This gap continues to limit access to cars, housing, credit products, and other wealth-building opportunities.
For many renters, the problem is not a lack of financial discipline. It is a lack of credit visibility. Rent is often one of the largest monthly expenses a household pays, but historically it has not counted toward building credit in the same way as other financial obligations.
One example is Jamease, who had never established a credit score and found herself unable to qualify for a car loan when she needed one. After her property joined the Fannie Mae Positive Rent Payment pilot and she began reporting rent with Esusu, she improved her score by 126 points in four months, enough to buy a car.
Renters have seen an average +53-point credit score increase, and that more than 107,000 credit scores have been established through Esusu’s reporting experience, based on lifetime resident data.
The Esusu app is about your credit story
Without a strong financial foundation, the U.S. credit system can be difficult to navigate. Esusu is here to help renters build that foundation through credit-building tools, cost savings, and financial resources that support long-term stability. The Core Membership is not just about reporting rent. It is about giving renters practical support as they work toward bigger financial goals.
Whether you are building credit for the first time or trying to strengthen an existing profile, this membership is designed to help make that journey more visible, more manageable, and more connected to your everyday life.
Get started with the Core Membership in the Esusu app
If you are ready to build your financial foundation, get started in the Esusu App and explore the tools available through Core Membership.
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