Pentadata Inc. has announced a strategic partnership with Esusu that could significantly reshape how lenders assess creditworthiness. The collaboration introduces the first unified API combining rental payment data, open banking data, and traditional credit data into a single standardized infrastructure for modern underwriting.
For lenders, banks, and fintechs, this means access to verified rent payment history alongside bank transactions and credit bureau data — all through one integration point. The goal is simple: enable more accurate risk assessment, expand credit access, and support financial inclusion at scale.
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Pentadata has built its reputation as a “financial data aggregator of aggregators,” consolidating open banking data from leading providers into a unified API that delivers comprehensive consumer financial insights. By embedding Esusu’s rental data into this framework, financial institutions can seamlessly incorporate rent payment behavior into underwriting workflows and financial products.
Esusu, widely recognized as a leading rental data and rent reporting platform in the U.S., converts verified on-time rent payments into credit-building data by reporting to all three major credit bureaus. This allows millions of renters to strengthen their credit profiles using payment history that traditionally went unrecognized in credit scoring models.
Rental data is quickly becoming a mainstream factor in credit systems. According to a 2025 TransUnion report, 13% of sampled renters now have rent payment history reflected in credit files — a figure expected to rise as policymakers and mortgage regulators increasingly approve scoring models that include on-time rent payments.
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On average, Esusu renters experience a 53-point credit score increase. Collectively, this has helped unlock $77 billion in credit access, including $49 billion in mortgage approvals highlighting the transformative potential of rental data in financial inclusion efforts.
Pietro Grandinetti, CEO of Pentadata, stated that integrating rental payment data strengthens lenders’ ability to securely leverage richer financial insights at scale. The integration allows institutions to normalize and operationalize rent data within credit decisioning models, risk frameworks, and next-generation financial products — without added operational complexity.
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The partnership also aligns closely with Esusu’s broader mission to build a more inclusive financial system. By embedding rental payment history into mainstream underwriting processes, both companies aim to create a more comprehensive and equitable view of consumer financial health.
As rental data continues to gain regulatory and institutional acceptance, this unified infrastructure positions Pentadata and Esusu at the forefront of a growing movement toward alternative data-driven credit innovation.
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