While the U.S. counts over 109 million renters across nearly 45 million rental units today, it’s estimated that less than 10% of those renters currently see their on-time rental history reflected in their credit scores. This can be a disadvantage, particularly for Gen-Z and Millennial renters, many of whom carry “thin files” due to their short credit histories, making it difficult for lenders to see them as strong borrowers.