Padsplit

We currently report on time 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. 

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 Credit Reporting

How does Esusu provide rental assistance?

PadSplit now offers active members financial assistance through 

If you are facing financial hardship, we encourage you to apply as soon as possible. Esusu's approval process can take up to 35 days and your loan application will be rejected if your PadSplit Membership has already been terminated for collections. Click 

 to apply (use Referral Code PS21 when applying).

Will you report my membership payments to the Credit Bureaus?

We currently report on time payments to Equifax and TransUnion via a third-party service provider, Esusu Financial.  

Why do you report membership payments to the Credit Bureaus?

PadSplit reports Membership payments to help our Members build their credit histories and improve their credit scores. Through our Esusu partnership, over 2,700 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.  

How will my membership payments appear on my credit report?

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. 

How long will it take for my membership payments to appear on my credit report?

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.  

How much will my credit score change due to membership reporting?

It is impossible to promise or predict a certain score increase because every person has a unique credit risk profile, and multiple factors impact a person’s score. That said, below are some generalizations to keep in mind:

People who verify 2 years of payment history and who already have established credit could potentially see an increase of 25-50 points if their payment history does not contain any late payments.

People who do not have a credit score at all could potentially jump up to the mid-600s by adding 2 years of payments to their credit file. 

What do I do if I no longer want my membership dues reported?

What do I do if I wish to dispute the accuracy of my payment data reported to the Credit Bureaus?

If you wish to dispute the accuracy of the data submitted to the bureaus, please email Esusu Financial directly and they will work with us to investigate further. Esusu’s email address is 

Esusu FAQ

 is an on-demand staffing platform that connects job seekers and businesses looking to fill their labor needs.

Wonolo

Teladoc is a virtual healthcare company that uses telephone, videoconferencing and mobile apps to provide you with on demand, remote medical care. PadSplit is happy to offer this service free to all Members.

As a member, you will have access to doctors who treat conditions like the flu, bronchitis, allergies, rashes and much more. 

Members must opt in to this service. To join, please follow these two steps:

1-3 days later, register via Teladoc by entering your PadSplit UID and your PadSplit zip code 

Once you have opted in, you can chat with a doctor anytime by phone or video for free.

For help, visit Teladoc.com or call 1-800-TELADOC and check out the FAQs 

Teladoc

How do I know if I have access to Teladoc?

Teladoc is made available to you through your membership with PadSplit. Members must opt in to this service. To join, please follow these two steps:

Notify PadSplit of your intention to join

1-3 days later, register via Teladoc by entering your PadSplit UID and your PadSplit zip code here.

Once you have registered with Teladoc, you will receive an email with instructions for completing your medical history information.  Since you will be speaking with a licensed physician, you will need to provide your medical history so the doctor will be aware of any current medications and medication allergies.  

Teladoc provides you with access to family doctors, psychiatrists, and medical experts who are ready to help you from wherever you are, 24/7. Doctors can prescribe treatment for non-emergency conditions like the flu, allergies, bronchitis, and more.  

Our care is provided by a network of U.S. board-certified internists, family doctors, and pediatricians licensed to practice medicine in the U.S. and provide care 24/7.

Can I call Teladoc outside of the United States?

Teladoc visits are currently available in the United States and Canada. 

The cost of a Teladoc visit for PadSplit members is $0.00 per visit. The member is responsible for payment of the prescriptions or lab work that may result from the visit.  

Teladoc is committed to protecting the privacy of every individual who uses our services. We comply with all relevant state, national and international laws and regulations, including the U.S. Health Insurance Portability and Accountability Act of 1996, known as HIPAA. Unless permitted or required by law, your medical information will not be shared without your consent. On occasion, we may use de-identified information to help us improve our clinical programs. 

You should choose Teladoc when you want to talk to a doctor by phone, video chat, or mobile app about non-emergency health issues like sinus problems, respiratory infections, allergies, flu symptoms, rashes, and many other illnesses. Your doctor will diagnose your symptoms and provide treatment, which may include a prescription.  

You should NOT use Teladoc if you are experiencing a medical emergency. In the event of a medical emergency, please call 911.  

Does the doctor review my medical history before a visit?

You will be required to complete a brief medical history prior to requesting your first visit, similar to filling out forms before an in-person doctor visit. You can update your medical history at any time through the Teladoc app. 

Your Teladoc medical history is stored on Teladoc's HIPAA-compliant, encrypted central server. Before each visit, the doctor will review your medical history with specific focus on chronic illnesses, current medications, allergies, and any changes in your medical condition.  

There is no time limit, however most issues are resolved in under 15 minutes.  

How long will it take for the doctor to start my video visit?

You will be given an estimated wait time when you request your video visit at 

. If you have received a notification that the doctor is ready to see you, you should go to the video visit waiting room as soon as possible. 

If you are not in the waiting room when the provider arrives, they will wait a few minutes before helping the next patient. Don’t worry, we will attempt to connect you with the next available provider prior to canceling your visit. You will receive a new set of notifications before the next provider arrives, and you can stay in the waiting room until they join.

Teladoc FAQ

Everything Members need to know -- from applying for membership to move-out day -- to live well in a PadSplit.

Member Perks