TransUnion Report Finds More Consumers Likely Self-Reporting Rent Payments in 2025
TransUnion (NYSE:TRU) reports that consumers self-reporting rent payments to credit agencies increased to 13% in 2025, up from 11% in 2024. This trend aligns with a new Federal Housing Finance Agency (FHFA) policy requiring Fannie Mae and Freddie Mac to accept VantageScore 4.0 scores and consider rent payment history in mortgage applications.
However, property manager participation in rent reporting decreased to 44% in 2025 from 48% in 2024, the first decline since 2022. Despite this, 57% of renters prefer property managers who report payments, and 80% are more likely to pay on time when payments are reported. Among generations, Gen Z leads in participation at 18%, though this represents a decline from 26% in 2024.
TransUnion (NYSE:TRU) segnala che la quota di consumatori che dichiarano di riportare i pagamenti dell'affitto alle agenzie di credito 猫 salita al 13% nel 2025, rispetto all'11% del 2024. Questo andamento riflette la nuova politica della Federal Housing Finance Agency (FHFA) che obbliga Fannie Mae e Freddie Mac ad accettare i punteggi VantageScore 4.0 e a prendere in considerazione la storia dei pagamenti dell'affitto nelle domande di mutuo.
Tuttavia, la partecipazione dei gestori immobiliari alla segnalazione degli affitti 猫 scesa al 44% nel 2025 rispetto al 48% del 2024, la prima flessione dal 2022. Nonostante ci貌, il 57% degli inquilini preferisce gestori che segnalano i pagamenti e il 80% 猫 pi霉 incline a pagare puntualmente quando i pagamenti vengono segnalati. Per generazioni, la Gen Z 猫 in testa con il 18% di partecipazione, sebbene si tratti di una diminuzione rispetto al 26% del 2024.
TransUnion (NYSE:TRU) informa que el porcentaje de consumidores que autoinforman los pagos de alquiler a las agencias de cr茅dito aument贸 al 13% en 2025, frente al 11% en 2024. Esta tendencia coincide con la nueva pol铆tica de la Federal Housing Finance Agency (FHFA) que exige a Fannie Mae y Freddie Mac aceptar las puntuaciones VantageScore 4.0 y considerar el historial de pagos de alquiler en las solicitudes de hipoteca.
Sin embargo, la participaci贸n de los administradores de propiedades en el reporte de alquileres disminuy贸 al 44% en 2025 desde el 48% en 2024, la primera ca铆da desde 2022. Aun as铆, el 57% de los inquilinos prefiere administradores que reporten los pagos y el 80% tiende a pagar a tiempo cuando los pagos se reportan. Entre generaciones, la Generaci贸n Z lidera con un 18% de participaci贸n, aunque supone una bajada respecto al 26% en 2024.
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TransUnion (NYSE:TRU) rapporte que la part des consommateurs d茅clarant eux鈥憁锚mes leurs paiements de loyer aux agences de cr茅dit est pass茅e 脿 13% en 2025, contre 11% en 2024. Cette tendance s'aligne sur la nouvelle politique de la Federal Housing Finance Agency (FHFA) exigeant que Fannie Mae et Freddie Mac acceptent les scores VantageScore 4.0 et prennent en compte l'historique des paiements de loyer dans les demandes de pr锚t hypoth茅caire.
Cependant, la participation des gestionnaires de biens 脿 la d茅claration des loyers a diminu茅 脿 44% en 2025 contre 48% en 2024, la premi猫re baisse depuis 2022. Malgr茅 cela, 57% des locataires pr茅f猫rent les gestionnaires qui d茅clarent les paiements et 80% ont davantage tendance 脿 payer 脿 temps lorsque les paiements sont signal茅s. Parmi les g茅n茅rations, la g茅n茅ration Z est en t锚te avec 18% de participation, bien que ce soit en baisse par rapport 脿 26% en 2024.
TransUnion (NYSE:TRU) meldet, dass der Anteil der Verbraucher, die Mietzahlungen den Kreditauskunfteien selbst melden, auf 13% im Jahr 2025 gestiegen ist, nach 11% im Jahr 2024. Dieser Trend steht im Einklang mit einer neuen Richtlinie der Federal Housing Finance Agency (FHFA), die Fannie Mae und Freddie Mac verpflichtet, VantageScore 4.0 zu akzeptieren und Mietzahlungshistorien bei Hypothekenantr盲gen zu ber眉cksichtigen.
Die Teilnahme von Hausverwaltungen an der Meldung von Mietzahlungen sank jedoch auf 44% im Jahr 2025 gegen眉ber 48% in 2024, die erste Abnahme seit 2022. Trotzdem bevorzugen 57% der Mieter Vermieter, die Zahlungen melden, und 80% zahlen eher p眉nktlich, wenn Zahlungen gemeldet werden. Unter den Generationen liegt Gen Z vorn mit 18% Teilnahme, obwohl das ein R眉ckgang gegen眉ber 26% im Jahr 2024 ist.
- New FHFA policy enables rent payment history to help qualify for mortgages
- 79% of renters saw credit score improvements from rent payment reporting
- 57% of renters prefer properties that report payments, indicating market advantage
- 80% of renters more likely to pay on time when payments are reported
- Property manager participation in rent reporting declined to 44% from 48% year-over-year
- Gen Z participation dropped significantly from 26% to 18% in 2025
Insights
TransUnion benefits from FHFA's regulatory change incorporating rent payment history into mortgage qualification, despite mixed adoption trends.
TransUnion's latest rent payment reporting data reveals interesting market dynamics with potentially positive implications for the company's positioning in the credit reporting ecosystem. The increase in consumers reporting rent payments to 13% (from 11% in 2024) contrasted against the decrease in property manager participation to 44% (from 48%) suggests a shift toward consumer-initiated reporting through third-party furnishers.
The FHFA's July 2025 regulatory order requiring Fannie Mae and Freddie Mac to accept VantageScore 4.0 scores that incorporate rent payment history represents a significant market catalyst. This policy change creates a direct pathway from rent payment reporting to mortgage qualification, potentially expanding TransUnion's addressable market for their TruVision鈩� Resident Credit solution.
Notably, the generational data shows unexpected behavior from Gen Z, whose participation declined from 26% to 18%, though they remain the demographic with highest adoption. The substantial percentage of renters (57%) who prefer property managers reporting payments and those more likely to pay on time when reported (79%) indicates strong consumer demand for this service.
The company appears well-positioned to capitalize on this market evolution, particularly as regulatory trends (California's mandate and Colorado's new requirements) continue to push toward expanded rent payment reporting. The potential acceleration of first-time homebuyers entering the market through this pathway could drive increased revenue for TransUnion's mortgage credit reporting services as well as their tenant screening business.
New order from Federal Housing Finance Agency creates pathway from on-time rent payments to homeownership
CHICAGO, Sept. 10, 2025 (GLOBE NEWSWIRE) -- The number of consumers whose rent payments are reported to credit reporting agencies rose to
In July 2025, the director of the FHFA issued an order mandating that Fannie Mae and Freddie Mac accept VantageScore 4.0 credit scores for mortgage underwriting. The order allows for consideration of rent payment history in mortgage applications which could open the housing market to far more first-time home buyers.
鈥淭he regulatory developments we鈥檝e seen in this space are very encouraging,鈥� said Maitri Johnson, SVP and head of TransUnion鈥檚 tenant and employment screening business. 鈥淭he vast majority of renters reliably make on-time payments and they deserve to leverage that proven responsibility toward home ownership and other financial opportunities.鈥�
Progress stalls among property managers
However, TransUnion鈥檚 research also found the number of property managers who are aware of and participate in rent payment reporting decreased to
The sudden decrease in property managers鈥� participation and the slight rise in consumers who say their payments are reported suggests that consumers may be self-reporting their rent payments through third-party data furnishers.
鈥淩ent payment reporting is well documented as a means to improving credit scores and financial inclusion, so I鈥檓 happy to see that more consumers are empowered to participate,鈥� said Johnson. 鈥淲e hope the new FHFA policy will help increase the number of consumers opting in for rent payment reporting.鈥�
Rent payment reporting is considered a desirable amenity that draws responsible renters and incentivizes them to pay on time. The report found more than half of renters (
In addition to property manager and renter participation, rent payment reporting has been bolstered by regulatory actions. California now requires property managers to report rent payments to credit reporting agencies, and Colorado recently conducted a pilot program and now requires property managers to offer rent reporting to tenants annually.
Gen Z pulls back on reporting but still leads
Nearly every generation showed increased participation in rent payment reporting that was in line with the overall trend. The one exception was Gen Z, which declined from
Rent Payment Reporting and Impact on Credit Score by Generation
| 听 | Total | Gen Z | Millennials | Gen X | Baby Boomers | |||||
| Percentage of Renters with Rent Payments Reported | 13 | % | 18 | % | 16 | % | 12 | % | 8 | % |
| Percentage of Renters Whose Credit Scores Increased | 79 | % | 80 | % | 88 | % | 75 | % | 70 | % |
鈥淭he decreased participation from Gen Z was surprising considering they likely do not have enough credit built yet,鈥� said Johnson. 鈥淲ith rent payments now being considered as a qualifier for mortgages, many Gen Z consumers may be better positioned to achieve homeownership at an earlier age than they otherwise would.鈥�
For more information about the research, read TransUnion鈥檚 latest .
Property managers: Get started helping your tenants build credit through reporting rent payments with solution.
About the Surveys
Consumer Survey Methodology
This online survey of 2,006 adults was conducted March 5-10, 2025, by TransUnion in partnership with third-party research provider, Dynata. Generations are defined as follows: Gen Z, born 1997-2012; Millennials, born 1981-1996; Gen X, born 1965-1980; and Baby Boomers, born 1946-1964. These research results are unweighted and statistically significant at a
Property Manager Survey Methodology
This online survey of 141 property managers was conducted March 13 - June 24, 2025, by TransUnion. Property Managers were surveyed via email through an online research platform. Survey questions were administered in English. The sample includes property managers who oversee a variety of housing types, number of units, and locations. These research results are unweighted and statistically significant at a
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru鈩� picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good庐 鈥� and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.听
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| Contact听 听 听 听听 | Dave Blumberg |
| 听 | TransUnion |
| [email protected]听 | |
| Telephone | 312-972-6646 |
FAQ
What percentage of consumers had rent payments reported to credit agencies in 2025?
How does the new FHFA policy affect rent payment reporting for mortgages?
What percentage of property managers participate in rent payment reporting in 2025?
How does rent payment reporting affect on-time payments according to TransUnion?
What is the Gen Z participation rate in rent payment reporting for 2025?
