Financial exclusion is rising, while access to mainstream credit is narrowing, yet reliable rental payments are still often missing from the data used to assess creditworthiness. In this session, Evlo CEO Jono Gillespie will explore how sharing rental payment data, with tenant consent, could help more people build stronger credit profiles and move up the credit ladder, alongside progress through Evlo’s Financial Freedom for Everyone campaign and partnership with CreditLadder. The session will also consider the challenges of rental data sharing, the potential for fairer outcomes, and Evlo’s work to improve consumer protection in the IVA market.