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 è 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 è scesa al 44% nel 2025 rispetto al 48% del 2024, la prima flessione dal 2022. Nonostante ciò, il 57% degli inquilini preferisce gestori che segnalano i pagamenti e il 80% è più incline a pagare puntualmente quando i pagamenti vengono segnalati. Per generazioni, la Gen Z è 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 crédito aumentó al 13% en 2025, frente al 11% en 2024. Esta tendencia coincide con la nueva política 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 participación de los administradores de propiedades en el reporte de alquileres disminuyó al 44% en 2025 desde el 48% en 2024, la primera caída desde 2022. Aun así, 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 Generación Z lidera con un 18% de participación, aunque supone una bajada respecto al 26% en 2024.
TransUnion (NYSE:TRU)는 신용기관에 임대료 납부를 자가 신고하는 소비자 비율이 2025년 13%로 2024년 11%에서 상승했다고 보고했습니다. 이 추세는 Fannie Mae와 Freddie Mac이 VantageScore 4.0 점수를 수용하고 주택담보대출 신청 시 임대료 납부 이력을 고려하도록 요구하는 새로운 연방주택금융청(FHFA) 정책과 일치합니다.
다만, 임대료 보고에 참여하는 자산관리업체 비율은 2025년 44%로 2024년 48%에서 하락했으며, 이는 2022년 이후 처음 있는 감소입니다. 그럼에도 불구하고 임차인의 57%는 보고하는 관리업체를 선호하며, 보고가 있을 경우 80%는 제때 납부할 가능성이 더 높습니다. 세대별로는 Z세대가 참여율 18%로 선두지만, 2024년의 26%에서 감소한 수치입니다.
TransUnion (NYSE:TRU) rapporte que la part des consommateurs déclarant eux‑mêmes leurs paiements de loyer aux agences de crédit est passée à 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 prêt hypothécaire.
Cependant, la participation des gestionnaires de biens à la déclaration des loyers a diminué à 44% en 2025 contre 48% en 2024, la première baisse depuis 2022. Malgré cela, 57% des locataires préfèrent les gestionnaires qui déclarent les paiements et 80% ont davantage tendance à payer à temps lorsque les paiements sont signalés. Parmi les générations, la génération Z est en tête avec 18% de participation, bien que ce soit en baisse par rapport à 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 Hypothekenanträgen zu berücksichtigen.
Die Teilnahme von Hausverwaltungen an der Meldung von Mietzahlungen sank jedoch auf 44% im Jahr 2025 gegenüber 48% in 2024, die erste Abnahme seit 2022. Trotzdem bevorzugen 57% der Mieter Vermieter, die Zahlungen melden, und 80% zahlen eher pünktlich, wenn Zahlungen gemeldet werden. Unter den Generationen liegt Gen Z vorn mit 18% Teilnahme, obwohl das ein Rückgang gegenüber 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™ 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.
“The regulatory developments we’ve seen in this space are very encouraging,” said Maitri Johnson, SVP and head of TransUnion’s tenant and employment screening business. “The vast majority of renters reliably make on-time payments and they deserve to leverage that proven responsibility toward home ownership and other financial opportunities.”
Progress stalls among property managers
However, TransUnion’s 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’ 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.
“Rent payment reporting is well documented as a means to improving credit scores and financial inclusion, so I’m happy to see that more consumers are empowered to participate,” said Johnson. “We hope the new FHFA policy will help increase the number of consumers opting in for rent payment reporting.”
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
| 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 | % |
“The decreased participation from Gen Z was surprising considering they likely do not have enough credit built yet,” said Johnson. “With 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.”
For more information about the research, read TransUnion’s latest Rent Payment Reporting eBook.
Property managers: Get started helping your tenants build credit through reporting rent payments with TransUnion’s TruVision™ Resident Credit 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™ 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® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business
| Contact | Dave Blumberg |
| TransUnion | |
| david.blumberg@transunion.com | |
| 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?
