Does a Late Rent Payment Hurt Your Credit Score?
A single late rent payment can stay on your Equifax credit file for up to six years. Here is exactly what happens to your score and how to protect it.
Vol. 01
The ledger.
A field journal on rent, credit, and the financial life of renters in Canada, written by the team building TenantPay.
Featured
This month's reads.
Rent is the largest line item in most Canadians' lives. Here's what we've been thinking about it.
Latest
Fresh off the press.
Product changelogs, market commentary, and tactical guides for tenants and property managers.
Renters
Property managers
Does Paying Rent Build Credit in Canada? (2026)
Rent payments don't appear on your credit report by default in Canada. Here's how rent reporting works, which platforms report to Equifax Canada, and how to start building credit with every payment.
Credit
How to Set Up Pre-Authorized Debit for Rent in Canada (2026)
The definitive tenant how-to for pre-authorized debit (PAD) rent payments in Canada: PAD rights under Payments Canada Rule H1, step-by-step setup via TenantPay and private landlords, and how rent payments build your Equifax Canada credit score.
Product news
Does Paying Rent Build Credit in Canada? (2026)
Rent builds credit in Canada only when reported to Equifax Canada through a platform like TenantPay. Here's how the rent-to-credit pipeline works.
Credit
How Newcomers to Canada Build Credit With Rent (2026)
Most newcomers arrive in Canada with no credit history. Rent payments are one of the fastest ways to start building a score from scratch through Equifax Canada.
Renters
What Credit Score Do You Need to Rent an Apartment in Canada? (2026)
Most Canadian landlords look for a credit score of 650 or higher. Here's exactly what they check, what to do with bad credit, and how rent reporting can help.