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Bill

AB 1057

Relating to: reporting positive rental payment information to credit bureaus.

2025-2026 Regular Session Introduced by Margaret Arney and 7 co-sponsors

Wisconsin bill requiring landlords and rental agencies to report on-time rent payments to credit bureaus to help tenants build credit history.

Failed to pass pursuant to Senate Joint Resolution 1
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Bill Summary · AB 1057

Legislative bill overview

AB 1057 would require rental payment reporting agencies and landlords to report positive rental payment history to credit bureaus, allowing tenants to build credit through on-time rent payments. The bill aims to expand access to credit for renters by creating a mechanism to document responsible payment behavior that currently goes unreported to major credit agencies.

Why is this important

Renters currently have limited ability to demonstrate creditworthiness through rent payments, even when paying consistently on time for years. This creates a barrier to accessing credit, mortgages, and other financial services. Expanding credit reporting for positive rental data could particularly benefit lower-income households and first-time borrowers who lack traditional credit histories.

Potential points of contention

  • Implementation costs and burdens: Requiring landlords and agencies to report positive payments could impose compliance and administrative costs, potentially increasing rental expenses or discouraging participation by smaller landlords
  • Data accuracy and privacy concerns: Establishing systems to track and report rental data raises questions about accuracy, who maintains records, data security, and tenant privacy protections
  • Scope and incentive structure: Unclear whether participation would be voluntary or mandatory, and whether positive reporting would apply to all rental situations equally or only certain categories of landlords/properties

Compiled from official sources — confirm details with the bill’s official record.

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