Tenant Benefits
Build Credit by Paying Rent — Free for Canadian Tenants
Report Rentals is a free rent reporting service for Canadian tenants. It reports your on-time rent payments directly to Equifax every month. Some renters — especially newcomers to Canada — have seen improved credit scores over time when reporting consistent on-time payments; individual results vary depending on prior credit history. Your landlord covers the cost. No sign-up fee for tenants. Report Rentals covers all Canadian provinces and territories.
How On-Time Rent Payments Build Your Equifax Credit Score Over Time With Consistent Payments
Track Your Records
Create an account to see what lease records are associated with you.
Gain Credit Bonuses
Improve your credit score and lease record by paying off your rent every month.
Reap The Rewards
Unlock more credit options and use your lease record for future rental applications.
Free for Tenants: Your Landlord Covers the Equifax Rent Reporting Cost
You pay nothing. Your landlord covers the cost of reporting your rent payments to Equifax Canada. Each on-time payment creates a tradeline on your credit file — the same credit file checked by TD Bank, RBC, and Scotiabank for mortgage approvals. Many newcomers to Canada reach a credit score of around 700 points within a few reporting cycles.
Will a Late Rent Payment Hurt Your Credit Score?
If you pay rent within the grace period, it usually won't affect your credit score. However, payments overdue past the reporting window will create a record on your Equifax credit file. Report Rentals is compliant with PIPEDA (Canada's federal privacy law) and protects your personal data across all Canadian provinces including Ontario, British Columbia, and Alberta.
Newcomer Credit Building With Rent Payments in Canada
New immigrants to Canada often have no credit history. Report Rentals helps newcomers build credit by reporting on-time rent payments directly to Equifax Canada every month on the 15th. Your rent becomes a powerful credit-building tool — no credit card or loan needed. Available across all Canadian provinces and territories.
Frequently Asked Questions
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