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Esusu Credit Reporting

Last updated August 28, 2023

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. 

  • You can visit this link:
  • Download the app on IOS or Android
  • Follow the KYC prompt and your credit scores should appear


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