A new VantageScore analysis reveals that millions of U.S. renters could become mortgage-eligible simply by incorporating on-time rent payments into their credit reports. Drawing on data from more than 600,000 renters shared through rental reporting platform @/Esusu, the study demonstrates how positive rental information—largely absent from today's credit ecosystem—can meaningfully expand access to homeownership.
"Positive rental payments are highly predictive and allow VantageScore 4.0 to measure a borrower's true ability to meet mortgage debt obligations," said @/Dr. Andrada Pacheco, Chief Data Scientist at VantageScore. "This research confirms that creditworthy renters stand to benefit significantly when their consistent, on-time payment histories are finally reflected in their credit reports."
Unlock the full findings in VantageScore's new white paper, which details the impact on eligibility, fairness, and market readiness.