Rease Co., Ltd. (Headquarters: Shinjuku-ku, Tokyo; Representative Director: Yasunori Michinaka; hereinafter referred to as "Rease"), with the mission to "maximize individual credit value," has released a report on rent payment history and future delinquency risk, supervised by Fumio Otake (Specially Appointed Professor at Osaka University, Chief Knowledge Officer at CoBe-Tech Inc.), a leading expert in behavioral economics. This report demonstrated the potential for "past rent payment behavior history" to serve as a "new perspective for credit evaluation" that is independent of "static attributes" such as annual income and occupation. Rease will continue to advance research to implement a system where daily, sincere behavioral achievements themselves are accumulated as objective "credit," rather than superficial attribute data such as occupation and title. To realize this concept, we are widely seeking partner companies for joint research on "credit evaluation." Background of the Announcement: "Payment Ability" Independent of Income and Attributes In November 2025, Rease entered into an advisory agreement with CoBe-Tech Inc., a venture company originating from Osaka University. Since then, Rease and Fumio Otake, Specially Appointed Professor at Osaka University and Director of CoBe-Tech Inc., have repeatedly discussed how to achieve the mission of "maximizing individual credit value" from the perspective of behavioral economics. As the first outcome of this joint verification, a report quantitatively analyzing rent payment behavior and future delinquency risk has now been published. In Europe and the United States, the integration of rent payment history into credit screening is accelerating. For example, in the U.S., Fannie Mae has officially incorporated rent payment history into its mortgage loan screening process, advancing its practical implementation. Furthermore, services like "Experian Boost" offered by Experian, which link individual bank accounts with thei