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Esusu and My Home Pathway partnered to help renters turn on‑time rent payments into a stronger foundation for homeownership. The partnership connects Esusu’s credit‑building rent reporting experience with My Home Pathway’s mortgage‑readiness tools, creating a more practical path for working families moving from renting to owning.
A more accurate way to frame today’s credit challenge is this: Transunion estimates that more than 45 million consumers in the U.S. are either credit unserved or credit underserved, including about 8.1 million unserved consumers and about 37 million underserved consumers. That gap continues to limit access to capital, homeownership, and other wealth‑building opportunities.
Rent is one of the largest monthly expenses for many households, yet it has historically not counted toward credit building in the same way as other recurring obligations. Through Esusu’s Rent Reporting platform, eligible renters can build credit by getting recognition for on‑time rent payments, without needing to open a new traditional debt product.
Renters using Esusu’s rent reporting have seen an average 53‑point credit score increase, based on active renters at active properties from enrollment through Q4 2025. Tens of thousands of credit scores have been established through Esusu’s reporting experience, giving many renters a first foothold in the traditional credit system.
My Home Pathway describes its service as a step‑by‑step homebuying platform that helps people move toward mortgage readiness with:
- Personalized plans;
- Trusted lender connections;
- And ongoing support.
The company also states that the service is always free for users and emphasizes that it does not sell personal data or allow predatory lenders on its platform.
The partnership works because both organizations focus on removing barriers that make homeownership harder to reach. My Home Pathway helps people become mortgage ready through clearer guidance and trusted lender access, while Esusu helps renters build credit through on‑time rent payments and stronger financial visibility.
2026 UPDATE: Our partnership with My Home Pathway has ended. Discover our active current homeownership partnerships via our resources page.