We currently report payments to Equifax and TransUnion via a third-party service provider, Esusu Financial. Through our Esusu partnership, over 2,700 PadSplit Members have established a credit score for the very first time. 95% of PadSplit Members have seen an improvement in their credit. The average score increase of those Members was 40 points.
The process for you to check your progress is very simple.
Tips for looking at your credit reports:
- PadSplit will appear as the reporting data furnisher on your Equifax credit report. Esusu Financial will appear as the reporting data furnisher on your TransUnion credit report.
- If you don't see our reporting immediately that's OK. Esusu reports payments to the bureaus on a monthly basis, and the bureaus factor that data into credit scores after completing their own quality control reviews. It typically takes between 2 to 8 weeks before a member’s reported payments will appear on their credit report.
- For more information on Esusu, please see Esusu FAQ