Rentwı★seFour steps from sign-up to reported rent
Verify your identity
Confirm who you are in minutes with a quick ID scan and selfie — powered by Didit.
Give consent
Authorize Rentwise to report your rent payments to Equifax — clearly and on the record.
Upload your lease
Add your lease and proof of residency. We validate the details against your landlord on record.
Rent gets reported
From the month after verification, every on-time payment builds your Equifax credit history.
Millions of Canadians aren't behind on rent. They're invisible to the credit system.
Rent is the biggest payment most people make each month — yet unlike a mortgage, it's never counted. With a thin or empty credit file you can be turned down for a credit card, a car loan, a phone plan, even the apartment you live in — and shut out of the best mortgage rates when you're finally ready to buy.
Reporting your rent is one of the fastest ways to build credit.
Payment history is the single biggest factor in your credit score — and rent is the most consistent payment you make. When it finally lands on your file, the effect shows up fast.
A 615 score sits in the "Fair" band — higher rates and more declines. Add positive rent history and the average 60-point climb moves you to 675, a "Good" score that opens better cards, loans and rates. Moving from Fair to Very Good can save $39,000+ over the life of your borrowing.
The smartest credit-building tool is money you already spend.
Every other way to build credit costs you — in fees, deposits, interest or new debt. Rent reporting simply counts what you're already paying.