TransUnion: More Rent Payments Reported to Credit Agencies

Core Insights - The share of consumers reporting rent payments to credit agencies increased from 11% in 2024 to 13% in 2025, indicating a growing trend in self-reporting among consumers [2][3] - Conversely, the percentage of property managers aware of and participating in rent payment reporting decreased from 48% to 44%, marking the first decline in four years [3] - TransUnion found that 79% of renters experienced an increase in their credit scores when their rent payments were reported [4] Consumer Behavior - A significant 57% of renters indicated they are more likely to rent from property managers who report rent payments to credit agencies [5] - Nearly 80% of renters stated they are more likely to pay on time when their payments are reported [5] Regulatory Developments - The Federal Housing Finance Agency mandated that Fannie Mae and Freddie Mac accept VantageScore 4.0 for mortgage underwriting, allowing rent payment history to be considered in mortgage applications [6][7] - California now requires property managers to report rent payments to credit agencies, while Colorado mandates that property managers offer rent reporting to tenants [6]