Yes. Every on-time payment is reported to Equifax as a tradeline on your credit file. It builds positive payment history the same way a loan or credit card payment does. Automatic, no extra steps.
Equifax reporting active
Chicken or
the egg?
To build credit you need debt. To qualify for debt you need credit. TenantPay reports your rent to Equifax automatically. No debt. No catch. Just the credit record you should have had all along.
Credit building. Rent reporting
Every on-time payment reported to Equifax. Free. Every month.
Enable reporting
Select the home to report first.
Building 134
Canada Pl, Vancouver, BC V6C
Home
Canada Line – SkyTrain, Metro Vancouver
Powered by
EQUIFAX
Reporting active
No additional cost. Available to all active TenantPay members.
Build credit without debt. Improve your score with on-time rent.
Strengthen rental applications. Trusted history for future landlords.
What you get
Rent that builds credit.
AUTOMATIC
Your rent already builds credit
No extra steps. Pay rent through TenantPay and Equifax reporting happens automatically. Your biggest bill is now your strongest credit builder.
Mortgage-ready faster
Consistent rent reporting strengthens your file. Lenders see reliable payment history when you apply for a mortgage, car loan, or credit card.
Ideal for newcomers
New to Canada? No credit history needed to start. Your first rent payment begins building your Canadian credit file from day one.
Students start early
Build credit while renting in school. Graduate with a credit history, not just a degree. Landlords and lenders notice.
See your progress
Track your score monthly. Watch it climb. Get advice tailored to your profile. All in the app.
How it works
Steps to a better credit score.
Step 1
Sign up free
Two minutes. No existing credit score required. No hard credit pull.
TWO MINUTES
Step 2
Pay rent
Pay rent the way you already do. No new account, no extra steps.
ALL METHODS SUPPORTED
Step 3
Build credit
Every on-time payment shows up on your Equifax history.
DIRECT BUREAU SYNC
Help center
Build credit
frequently asked
questions
Most members see their credit file updated within 30 to 45 days. Measurable change typically appears within 3 to 6 months of consistent on-time payments. Results vary by individual.
No. TenantPay is well suited for newcomers to Canada, students, and anyone without an existing credit history. Your first rent payment starts building your Canadian credit file.
Yes. Build Credit, Credit Score, Credit Report, and Credit Advice are all included with every TenantPay account at no extra cost. No premium tier, no upsell. Just included.
Currently TenantPay reports exclusively to Equifax, one of Canada's two major credit bureaus. Equifax is used by most Canadian lenders for mortgage, auto, and credit card decisions.
No. TenantPay uses a soft inquiry, which never affects your score. Check as often as you like with zero impact. Hard inquiries only come from lenders evaluating a credit application.
Yes. Consistent positive payment history strengthens your Equifax file. Mortgage lenders review your credit report, and reliable rent payments demonstrate financial responsibility to underwriters.
Still have questions?
Our team is here. Get in touch anytime.
Credit profile Your account
Reporting streak 12 months
On-time
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Rent reported
Monthly · Equifax
Free
Score updated
Improving each month
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