Living in a PadSplit is different from traditional rentals. Members only pay one bill each week, and it covers a private furnished room, all utilities, and free credit reporting. To be approved, you don’t need a minimum credit score, and you won’t have to pay a big security deposit. PadSplit reports Membership payments to help our Members build their credit histories and improve their credit scores. Through our partnership with Esusu partnership, 95% of PadSplit Members have seen an improvement in their credit score. On average, Members save $420 a month while living in a PadSplit and have purchased a car or paid off credit card and student loan debt.