How to report rent to Equifax to build your credit?

Having your eligible rent payments recognized can help build your credit history and improve your credit score in Canada. Here's how LocaCredit supports you at every step.

Why have your rent payments recognized to rebuild your credit?

Traditionally, your rent payments don't appear in your credit file, unlike a car loan or a credit card.
Having your eligible rent payments recognized adds an additional positive piece of information to your credit history.
This can be particularly useful if you have limited credit history, are rebuilding after bankruptcy or a consumer proposal, or are a newcomer to Canada.

How does LocaCredit work?

Create your account

Complete your profile

Enter your personal information so your file is correctly associated.

Add your lease

Enter your lease details and upload the signed lease document.

Provide proof of payment

Each month, upload your rent payment proof in your account.

Validation

LocaCredit validates the information and documents provided according to applicable criteria.

Transmission

Once validated, your eligible payments may be reported to your credit file.

What documents do I need to provide?

A valid piece of identification to verify your identity.
Your signed lease, which establishes the terms of your rental.
A monthly proof of payment (bank transfer receipt, screenshot of a confirmed online payment, etc.).

Which payments are eligible?

Eligible payments are those that meet the applicable criteria, including amount, period and proof provided. Payments must correspond to rent actually paid to a landlord for a primary residence.

How often are payments processed?

Payment processing follows a monthly cycle. Each month, you upload your proof of payment, and LocaCredit proceeds with validation and reporting of eligible payments according to this cycle.

Does this guarantee a credit score increase?

No. Eligible payments may help build your credit history, but your score depends on several factors, including your overall history, number of open accounts, balances and recent credit applications. Results may vary.

What happens if a payment is late?

A late payment may be reported as such in your credit file. It is important to pay your rent on time. If a delay occurs, we recommend reporting it anyway — transparency is preferable and avoids complications.

How long does it take to see an effect?

It is not possible to promise a specific timeline. The integration of information into a credit file and its impact on the score depend on the credit bureau and your overall situation. Results may vary from person to person.

How to get started?

Create your LocaCredit account, complete your profile, add your lease and upload your first proof of payment. The process is simple and designed for renters.

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Last updated: October 2026