{"id":6972,"date":"2025-11-10T11:28:00","date_gmt":"2025-11-10T16:28:00","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6972"},"modified":"2025-11-10T11:28:02","modified_gmt":"2025-11-10T16:28:02","slug":"zillow-says-now-your-rental-payments-count-for-credit-scoring","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/zillow-says-now-your-rental-payments-count-for-credit-scoring\/","title":{"rendered":"Zillow Says: Now, Your Rental Payments Count for Credit Scoring"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"474\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/rental-payments-now-count-for-credit-scoring.webp\" alt=\"\" class=\"wp-image-6973\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/rental-payments-now-count-for-credit-scoring.webp 1400w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/rental-payments-now-count-for-credit-scoring-300x102.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/rental-payments-now-count-for-credit-scoring-1024x347.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/rental-payments-now-count-for-credit-scoring-768x260.webp 768w\" sizes=\"auto, (max-width: 1400px) 100vw, 1400px\" \/><\/figure>\n\n\n\n<p>Rental payments have traditionally been ignored by credit scores. This makes it that much harder for a renter to qualify to borrow money to buy a home.<\/p>\n\n\n\n<p>So, millions of people have excellent housing payment histories, but are shut out of opportunities that a strong credit profile can offer. Like, you know, getting a mortgage and acquiring a deed.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Finally, Renters: You Are Being Seen<\/h2>\n\n\n\n<p>More than half of all renters would like to acquire their own deeds. But many haven\u2019t developed a credit profile that shows their capacity to pay for housing costs, even though they pay these costs faithfully each month. Some 26 million U.S. renters are &nbsp;\u201ccredit invisible,\u201d according to Zillow\u2019s research.<\/p>\n\n\n\n<p>Of course, this impacts generations. A deed is a stake in property that households can pass down to children. And every generation that holds home equity is that much more able to buy a new home.<\/p>\n\n\n\n<p>This month brings helpful news to renters:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First, here\u2019s what\u2019s happening with Zillow renters. Through their online platform called Zillow Rental Manager, clients set up a rental payment auto-pay system. Or, they can get reminders to make their payments month by month. Clients may opt into credit reporting, so each payment strengthens their credit profiles. More than 140,000 Zillow renters have already opted in to report their on-time rent payments. That\u2019s 63% of renters who pay rent through Zillow, reporting their payments to Experian and Equifax at no extra cost.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beginning this month (November 2025), there\u2019s something new for non-Zillow renters. They can get the same advantage the Zillow renters get, for an annual fee of $20. They can opt to have their rental payments reported to credit bureaus \u2014 through <a href=\"https:\/\/zillow.mediaroom.com\/2025-10-14-Zillow-and-Esusu-partner-to-expand-credit-building-for-renters-nationwide\" target=\"_blank\" rel=\"noreferrer noopener\">Zillow\u2019s new partnership with Esusu<\/a>.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Also, Fannie Mae and Freddie Mac are now backing loans using VantageScore 4.0, which accounts for rental payment history.<\/li>\n<\/ul>\n\n\n\n<p>When credit scorers account for a renter\u2019s regular housing payments, they can facilitate better credit ratings for many more borrowers. More applicants will be able to prove their creditworthiness for a mortgage loan.<\/p>\n\n\n\n<p>This is good for lenders as well as renters. Why? Because lenders are in the lending business. They make money through issuing loans. And because the vast majority of people, statistics show, are willing and able to do what it takes to successfully repay a mortgage.<\/p>\n\n\n\n<p>And, to quote Zillow, \u201ceveryone deserves a fair shot at home \u2014 whether they rent or own.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Transformation of Credit Scoring<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"994\" height=\"662\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/the-transformation-of-credit-scoring.webp\" alt=\"\" class=\"wp-image-6974\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/the-transformation-of-credit-scoring.webp 994w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/the-transformation-of-credit-scoring-300x200.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/11\/the-transformation-of-credit-scoring-768x511.webp 768w\" sizes=\"auto, (max-width: 994px) 100vw, 994px\" \/><\/figure>\n\n\n\n<p>For decades, the FICO Score\u00ae from the Fair Isaac Corp. has controlled outcomes for mortgage applicants. Here\u2019s the thing, though. FICO rewards people with long, robust credit histories. FICO requires at least six months of credit history to even get started. All of this tends to give short shrift to younger people, new U.S. residents, minority applicants, hard workers and strong savers with modest incomes. Many capable borrowers are simply not seen.<\/p>\n\n\n\n<p>Change has been a long time coming. Sensing the pressure, <a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\/fico-score-versions\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Isaac has said it will \u201cmeet evolving user needs<\/a>\u201d by updating its models. The FICO 9 score, for example, does account for an applicant\u2019s rental history.<\/p>\n\n\n\n<p>And then there\u2019s the competing model: the VantageScore\u00ae. It has been found acceptable by Bill Pulte, the Trump administration\u2019s Federal Housing Finance Agency chief. &nbsp;<\/p>\n\n\n\n<p>The VantageScore can work with credit histories that are at least one month long. This rising model comes from a collaboration among three credit reporting companies: Equifax, Experian, and TransUnion. These are the \u201cbig three\u201d credit reporting firms. By blending their three separate scores together, the mortgage industry gets one single score for an applicant. That averages out the three results, which can vary by as much as 50 points. The lender that applies this blended score is going by what\u2019s commonly called the <em>tri-merge model<\/em>.<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background has-small-font-size\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\"><em><strong>Thinking of buying a home? Then you might be wondering how to shape up your credit profile. Here are some important\u00a0<\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/applying-for-a-mortgage-get-the-facts-on-credit-scores-and-how-to-improve-yours\/\"><strong><em>facts on credit profiles \u2014 and how you can strengthen yours<\/em><\/strong><\/a><em><strong>.<\/strong><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Single-Company Model for Mortgage Credit Checks? Mortgage Banker Association Calls to Dump Merged Scoring<\/h2>\n\n\n\n<p>The TransUnion credit reporting company wants Fannie Mae and Freddie Mac to hold onto the tri-merge credit reporting system. TransUnion has issued a statement to say it\u2019s \u201can ardent supporter of the tri-merge credit reporting model for mortgage underwriting,\u201d at a time when the federal government could shift its support to a one-company model.<\/p>\n\n\n\n<p>TransUnion goes so far as to claim a single-bureau scoring model could lock 4.4 million applicants out of mortgage loan approvals. Cutting down the information that becomes part of the scoring limits opportunity, says Satyan Merchant, a TransUnion senior VP. Merchant stated in an <a href=\"https:\/\/www.transunion.com\/blog\/single-bureau-credit-report-raises-risk-and-cost#:~:text=%E2%80%9CA%20'single%2Dpull',mortgage%20they%20can't%20afford.\" target=\"_blank\" rel=\"noreferrer noopener\">October 2025 press release<\/a>:<\/p>\n\n\n\n<p><em>A \u201csingle-pull\u201d environment creates significant risk that strong borrowers will lose access to credit while additional at-risk borrowers find themselves in a mortgage they can\u2019t afford.<\/em><\/p>\n\n\n\n<p>It could also lead home buyers and their mortgage consultants to pick out the credit score most likely to get the customer to a successful closing. Presumably, TransUnion thinks this could leave quite a few successful buyers \u201cfinding themselves in a mortgage they can\u2019t afford.\u201d &nbsp;<\/p>\n\n\n\n<p>TransUnion still endorses the <a href=\"https:\/\/vantagescore.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">VantageScore<\/a> 4.0, which was created by the \u201cbig three\u201d companies and became an approved model in July.<\/p>\n\n\n\n<p>In August, the field was shaken up again, as the president of the Mortgage Bankers Association got on social media to call the tri-merge method an \u201coutdated relic.\u201d As <em>Scotsman Guide <\/em>reported, the MBA president says blending information from the three separate credit reports doesn\u2019t make a big difference in application outcomes.<\/p>\n\n\n\n<p>So now, industry players are competing for the future of credit scoring. Which is better: tri-merge, or just a single pull? Between FICO and the VantageScore group, each claims to have the best model for helping lenders avert mortgage defaults.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Keeping Fairness at the Forefront<\/h2>\n\n\n\n<p>Perhaps we\u2019re nowhere near finding out what scores will prevail for applicants in this fast-moving sphere of financial technology. Artificial intelligence (AI), by digesting much more data than any prior scoring tool has ever processed, can be expected to drive further innovation.<\/p>\n\n\n\n<p>AI models can account for many aspects of applicants\u2019 financial lives \u2014 including our history of rental payments. Ideally, AI will make the loan qualification process more logical, objective, expansive, and precise year by year. Will AI tech unfold this way?<\/p>\n\n\n\n<p>In a 2019 study of technology and discrimination, the National Bureau of Economic Research found that \u201c<a href=\"https:\/\/www.nber.org\/papers\/w25943#:~:text=We%20find%20that%20lenders%20charge%20Latinx\/African%2DAmerican%20borrowers%207.9\" target=\"_blank\" rel=\"noreferrer noopener\">lenders charge Latinx\/African-American borrowers<\/a> 7.9\u2026basis points more\u201d for mortgages when they buy homes. The costs, to this segment of home buyers, rises into hundreds of millions of dollars in extra interest every year.<\/p>\n\n\n\n<p>So, a major challenge involves figuring out how financial AI can support an industry that must adhere to fair housing law and policy. Could the use of AI in loan approval decisions copy and repeat old discrimination patterns?<\/p>\n\n\n\n<p>Yes, and that\u2019s a big issue to address.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p><em>ZillowGroup.com<\/em>: <a href=\"https:\/\/www.zillowgroup.com\/news\/renters-deserve-credit-for-paying-rent-and-zillow-is-delivering\/\" target=\"_blank\" rel=\"noreferrer noopener\">Renters Deserve Credit for Paying Rent \u2014 And Zillow Is Delivering<\/a> (Oct. 9, 2025).<\/p>\n\n\n\n<p>Luke Baynes for <em>Scotsman Guide<\/em>: <a href=\"https:\/\/www.scotsmanguide.com\/news\/transunion-slams-single-bureau-model-for-mortgage-credit-checks\/\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion Slams Single-Bureau Model for Mortgage Credit Checks<\/a> (Oct. 20, 2025).<\/p>\n\n\n\n<p><em>Deeds.com<\/em>: <a href=\"https:\/\/www.deeds.com\/articles\/is-the-fico-score-obsolete\/\">Is the FICO Score Obsolete? Seeking Inclusivity and Fairness Through AI<\/a> (Aug. 16, 2021).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p>Read more about: <a href=\"https:\/\/www.deeds.com\/articles\/?s=fico\">FICO\u00ae scores<\/a>.<\/p>\n\n\n\n<p>Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/credit-score-and-credit-report-19867473\/\" target=\"_blank\" rel=\"noreferrer noopener\">Markus Winkler<\/a> and <a href=\"https:\/\/www.pexels.com\/photo\/man-love-people-woman-4624879\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ivan Samkov<\/a>, via Pexels.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Rental payments have traditionally been ignored by credit scores. This makes it that much harder for a renter to qualify to borrow money to buy a home. So, millions of people have excellent housing payment histories, but are shut out of opportunities that a strong credit profile can offer. Like, you know, getting a mortgage [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6973,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[131],"tags":[2960,2964,2963,2957,2959,2321,1060,2958,601,2962,2961,288],"class_list":["post-6972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-ai-in-lending","tag-credit-bureaus","tag-credit-history","tag-credit-scoring","tag-fico","tag-housing-equity","tag-mortgage-loans","tag-rental-payments","tag-renters","tag-transunion","tag-vantagescore","tag-zillow"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zillow Says: Now, Your Rental Payments Count for Credit Scoring - Deeds.com<\/title>\n<meta name=\"description\" content=\"Zillow and major credit bureaus are changing credit scoring by recognizing rental payments. 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