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Rent, phone and utility bills usually don't show up on your credit report. These services add them, which can help if you have a thin file. Each one only reaches certain bureaus, and a lender may use a bureau or score that doesn't include them.
Source: Esusu page (checked 2026-10-12)
Here are the facts we could confirm on Esusu's own page (2026-10-12): what it reports: Rent (usually through your landlord); cost: not found; reports to: not found; late payments: Reports on-time payments only; doesn't report late or missed rent. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Esusu page (checked 2026-10-12). “not found” means the page didn't state it.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.