New Infrastructure to Support Foreign Residents: Cross-Border Credit Scheme Utilizing Home-Country Credit Data Launched by E-HOUSING, ORICO Forent Insurance, and Dwilar

News Overview

E-HOUSING Inc. (Headquarters: Shibuya-ku, Tokyo; CEO: Erik Nasriddinov), a real estate brokerage specializing in foreign nationals, has launched an industry-first initiative in May 2026 in collaboration with ORICO Forent Insurance Co., Ltd. (Headquarters: Minato-ku, Tokyo; President & CEO: Yoshio Nakabayashi), which provides rental guarantee services, and Dwilar, Inc. (California, USA; CEO: Takatomo Nakamura), provider of the credit assessment service "Lita" for foreigners. The new scheme leverages a unique scoring model that integrates home-country credit information with qualitative data from Japan, enabling cross-border credit evaluation to address structural barriers faced by foreign nationals who are often denied housing due to "lack of credit history in Japan," despite growing global hiring demands.

New Scheme Mechanism: Tripartite Collaboration for Cross-Border Credit Assessment

Under this scheme, each company plays the following role:

Company

Role

Information/Service Provided

Dwilar

Acquisition and analysis of home-country credit data

Collects and analyzes credit data from the applicant’s home country, including default history, payment delays, income stability, and outstanding debts, using proprietary algorithms

E-HOUSING

Domestic data collection and score integration

Gathers qualitative data such as employment status, residency status, income, and intended living area in Japan, and jointly calculates an integrated credit score with Dwilar

ORICO Forent Insurance

Rental guarantee assessment and provision

Provides reliable rental guarantee services to property management companies

Traditionally, property management companies (landlords) have been hesitant to rent to foreign applicants due to language and cultural differences, even when their income and employment are stable. Meanwhile, foreign applicants without prior credit history in Japan have faced significant challenges in securing housing.

This new scheme enables cross-border credit evaluation by leveraging home-country credit history through the collaboration between E-HOUSING and Dwilar. Furthermore, ORICO Forent Insurance provides rental guarantee services for these lease agreements, enabling fair, data-driven assessments and peace of mind for landlords.

As a result, the scheme creates an environment where foreign applicants can smoothly secure housing, resolving challenges for both tenants and property managers.

Challenges Addressed by E-HOUSING and Services Enabled by the Partnership

Despite accelerating global hiring, securing housing in Japan remains a major hurdle for foreign nationals. Recent surveys by the Immigration Services Agency reveal that many foreigners face difficulties in establishing a living foundation, including language barriers, lack of guarantors, and complex contract procedures. At the root of this issue is a systemic gap: overseas credit information cannot be referenced in Japan, placing additional burdens on companies’ onboarding processes. E-HOUSING aims to resolve this structural challenge in partnership with companies to create a seamless housing environment for foreign talent, offering the following three services:

(1) Industry-First Guarantee Assessment Using Integrated Home-Country and Domestic Credit Data

The scheme integrates credit information from the applicant’s home country—such as default history, payment delays, income stability, and outstanding debts—collected and analyzed by Dwilar, with domestic data such as employer, residency status, and income gathered by E-HOUSING. E-HOUSING and Dwilar jointly calculate a credit score, which ORICO Forent Insurance incorporates into its guarantee assessment process. This enables faster and more accurate decisions, facilitating smooth housing access for foreign applicants and improving occupancy rates for property managers.

(2) Reducing Administrative Burden for Corporate HR and General Affairs Departments

E-HOUSING provides one-stop support for the complex procedures involved in securing housing for foreign employees. From property search to guarantee assessment and contract signing, E-HOUSING handles all steps, significantly reducing the workload for HR personnel. Additionally, the joint credit scoring by E-HOUSING and Dwilar accelerates the guarantee review process, enabling rapid housing arrangements aligned with foreign employees’ arrival and relocation schedules.

(3) Comprehensive Support for Establishing Life in Japan

To ensure a smooth transition upon arrival, E-HOUSING offers support beyond housing, including assistance with SIM card activation, bank account opening, and utility setup, as well as access to short-term furnished rental units. It also provides ongoing housing guidance and interpreter support during the resident’s stay, offering comprehensive life-startup assistance.

Executive Comment

"Being denied housing solely because of 'no credit history in Japan' is not an individual issue—it is a structural challenge that Japan, as a globally connected society, must solve. By combining ORICO Forent Insurance’s guarantee infrastructure, Dwilar’s cross-border credit technology, and E-HOUSING’s expertise in serving foreign nationals, we aim to realize a society where everyone can choose their ideal home from the day they arrive in Japan."

Erik Nasriddinov, Representative Director & CEO, E-HOUSING

About E-HOUSING

Since its founding in 2022, E-HOUSING has accumulated over 2,000 contract agreements as a real estate brokerage specializing in foreign nationals. Half of its agents are foreign nationals, enabling seamless multilingual communication in English, Japanese, and other languages, regardless of nationality.

Building on this partnership, E-HOUSING will progressively expand services to support the housing and living infrastructure of the growing global talent pool:

1. Development of a life support platform for foreign nationals

2. Expansion of multilingual move-in procedure systems

3. Provision of corporate global talent reception support programs

Starting with housing solutions, E-HOUSING will contribute to creating an environment where foreign nationals can thrive in Japan.

Company Overview

【E-HOUSING Inc.】

Headquarters: 14F, Jingumae Tower Building, 1-5-8 Jingumae, Shibuya-ku, Tokyo

Business: Real estate brokerage, operation of a platform for foreign residents

Representative Director & CEO: Erik Nasriddinov

Capital: 35 million JPY

License: Tokyo Metropolitan Government Real Estate Transaction License No. 108174

URL: https://e-housing.jp/ja/ Instagram: https://www.instagram.com/ehousing.jp/

【ORICO Forent Insurance Co., Ltd.】

Headquarters: Shibaura Square Building, 4-9-25 Shibaura, Minato-ku, Tokyo

Representative: President & CEO Yoshio Nakabayashi

Business: Guarantee services in the real estate rental sector

URL: https://www.orico-fi.co.jp/

【Dwilar, Inc.】

Headquarters: California, USA

Representative: CEO Takatomo Nakamura

Business: Development and provision of "Lita," a credit assessment service for foreigners

URL: https://dwilar.tech/

Inquiries

E-HOUSING Inc.

Contact: Yase Email: [email protected]