Pentadata Inc. and Esusu have announced a strategic partnership to integrate rental payment data directly into credit underwriting and financial decisioning processes.
Through this collaboration, lenders, banks, and FinTech companies will gain access to verified rent payment history, alongside bank transaction and credit data, via a single, standardized API. This integration aims to facilitate more accurate risk assessment, broaden credit access, and support financial inclusion outcomes at scale by combining rental, open banking, and credit data for mortgage underwriting.
Pentadata operates as a financial data aggregator, unifying open banking data from various providers to offer a comprehensive API for consumer credit data. Esusu, a rental data and rent reporting platform, converts verified on-time rent payments into credit-building financial data by reporting them to major credit bureaus. By embedding Esusu’s rental data into Pentadata’s unified infrastructure, financial institutions can incorporate rent payment insights into their underwriting workflows and financial products.
Rental payment data is increasingly recognized within credit and financial systems. A 2025 TransUnion report indicated that 13% of sampled renters had rent payment history reported to credit bureaus, a figure that continues to grow. This trend is supported by policymakers, the Federal Housing Finance Agency (FHFA), and major credit bureaus, which are approving modern scoring models that include on-time rent payment history for mortgages. Esusu reports verified on-time rent payments to all three major credit bureaus, contributing to stronger credit profiles for renters and expanding financial inclusion.
On average, Esusu renters experience a 53-point increase in their credit scores, which has reportedly unlocked $77 billion in credit, including $49 billion in mortgages.
Pietro Grandinetti, CEO of Pentadata, stated, “We are excited to partner with Esusu to incorporate rental payment data into our financial data infrastructure. This integration helps lenders securely leverage richer financial data at scale to expand access to credit.”
This integrated approach enables fintechs, banks, credit bureaus, and other institutions to consistently access, normalize, and utilize rent payment history in credit decisioning, risk models, and financial products. It aims to provide a more complete view of consumer financial health while simplifying processes for institutions seeking to responsibly expand credit access. The partnership is expected to drive innovative applications such as enhanced credit scoring, alternative lending, and expanded tools for property owners and managers to improve resident outcomes. Both companies share a commitment to providing secure, permissioned financial data to benefit consumers and build a financial system that is more accessible.
