More consumers’ rent payments are being reported to credit reporting agencies, possibly because of new laws and consumers self-reporting those payments. The share of consumers whose rent payments are reported rose from 11% in 2024 to 13% in 2025. At the same time, the share of property managers who are aware of and participate in rent payment reporting declined from 48% to 44%. That was the first decrease found by TransUnion in the four years it has been conducting this analysis. Together, these two trends suggest that consumers may be self-reporting their rent payments through third-party data furnishers. TransUnion found that 79% of renters saw their credit score increase when their rent payments were reported. The firm also found that property managers benefit when they report renters’ payments to credit reporting agencies. Fifty-seven percent of renters said they are more likely to rent from a property manager who reports these payments, and nearly 80% said they are more likely to pay on time. TransUnion also said that the Federal Housing Finance Agency issued an order in July mandating that Fannie Mae and Freddie Mac accept VantageScore 4.0 credit scores for mortgage underwriting, which will allow for the consideration of rent payment history in mortgage applications. In addition, California now requires property managers to report rent payments to credit reporting agencies, and Colorado now requires property managers to offer rent reporting to tenants, according to the release.