Rental Services & Credit-Building PlatformRental Services Technology + Credit-Building & Rewards PlatformRent to OwnReward Renters.Build Homeowners.
Rented123 connects landlords, developers, and renters through technology that simplifies rental services, rewards responsible tenancy, builds verified rental and credit profiles, and creates pathways toward homeownership.
Credit Profile
April
Score
Rent
Reported as a credit line
Your rent adds a credit line to your profile — often the largest one a
Trusted by partners across the rental ecosystem
Every rent payment builds toward your home purchase
GROW™ and OWN™ members earn Rent-to-Own Rewards™ points on rent paid through SecurePay — redeemable exclusively toward purchasing a home (conditions apply). For groceries and marketplace perks, see MoreRewards™ on OWN™.
1.5% on qualifying rent
For each $1,000 in rent processed through SecurePay, you earn 1.5% in Rent-to-Own points toward a home purchase.
Home purchase only
Rent-to-Own points are reserved for buying a home through an approved Rented123.com agent — not groceries or everyday marketplace spending.
MoreRewards™ on OWN™
Want flexible redemptions like groceries and moving? MoreRewards™ is the separate program included with the OWN™ membership.
Renters, landlords, and developers — aligned
Whether you pay rent, manage units, or develop properties, Rented123 rewards responsible tenancy and strengthens every side of the rental relationship.
of renters say a low credit score blocks homeownership
average point increase reported by active members
of tenants know rent reporting can boost their credit
Making renting more rewarding for everyone
Reward responsible renters, strengthen properties with verified tenants, and build pathways toward ownership — all on one platform.
Build credit with rent you already pay
Your largest monthly expense finally counts. Turn 12 months of on-time rent into a credit history that lenders trust.
Learn about rent reportingGet your Rent Resume
Turn your rental history into a verified profile landlords trust — stand out and get approved faster.
Get your Rent ResumeUnlock better rates and approvals
A stronger score can mean lower deposits, better loan rates, and faster approvals on the things that matter.
Start building creditOWN™ member rewards
OWN™ members earn MoreRewards™ points on rent and unlock premium marketplace benefits on the path to homeownership.
View membership plansPrivate and secure by design
Bank-level encryption and PIPEDA-compliant data handling keep your financial information protected.
Read our privacy policyFrom rent payment to credit score in three steps
No paperwork, no confusing forms. Rented123 does the heavy lifting so your rent works as hard as you do.
Verify your identity
Complete a quick ID verification and liveness check — secure and done in minutes.
Create your account
Sign up and upload your lease agreement. We confirm your rental details and activate reporting.
Report your rent monthly
Get friendly reminders and confirm your rent each month — we handle the bureaus.
Every payment moves you closer to home
Building credit and earning rewards is a marathon, not a sprint. Here's what the road from renting to owning can look like with Rented123.
- Month 1
Establish your history
Your first on-time rent payment is reported and your credit file begins to form.
- Month 3
Build momentum
Consistent reporting demonstrates reliability that lenders look for.
- Month 6
See real movement
Members typically begin to notice meaningful score improvements.
- Month 12
Unlock new doors
A full year of history can mean better rates, approvals, and a path to ownership.
Renters and landlords building real results
From newcomers to homeowners, Rented123 members are turning rent into credit, rewards, and opportunity.
“I moved to Canada with savings but zero credit history. After eight months of reporting my rent, I qualified for my first credit card and a car loan.”
“My landlord sent me a Rented123 ID verification link. I finished in under a minute and emailed it to my landlord—all on the platform...”
“I used Rented123 for ID verification and background checks so I wouldn't keep sharing personal info with different landlords. Now I'm a homeowner and landlord, and I use them for tenant screening too. Helpful from both sides...”
“The mentorship was a game changer. They helped me budget and now I have a real plan to go from renting to owning.”
“Setup took five minutes and I never have to think about it. On-time rent, reported automatically. Exactly what I wanted.”
“My landlord recommended it. Now I stay longer because my rent is actually helping me reach my goals. Win-win.”
Memberships that grow with you
Start free with MOVE™ and upgrade to BUILD™, GROW™, or OWN™ when you are ready. No hidden fees, cancel anytime.
Start free with MOVE™ — upgrade anytime as your goals grow.
BUILD™
Build Better Credit
- Everything in MOVE™
- Rent reporting
- RentResume™
- Member dashboard
GROW™
Build Wealth While You Rent
- Everything in BUILD™
- Rented123 payment processing
- Rent-to-Own Rewards™ points
- Enhanced member benefits
OWN™
Your Complete Path to Homeownership
- Everything in GROW™
- MoreRewards™ points on rent
- Premium marketplace benefits
- Preferred mortgage & builder offers
Your financial data, protected at every step
Trust is the foundation of credit. We hold ourselves to the highest standards of security and privacy so you can build with confidence. See our privacy policy for more details.
Bank-level encryption
Your data is encrypted in transit and at rest with the same standards banks use.
PIPEDA compliant
We follow Canadian privacy law and best practices for handling personal data.
We never sell your data
Your financial information is yours. We never sell it to third parties, full stop.
Official bureau reporting
We report directly to Equifax through verified, secure channels.
Questions, answered
Everything you need to know about memberships, rent reporting, and building toward homeownership.
Each month, Rented123 reports your on-time rent payments to Equifax. This adds positive payment history to your credit file, one of the most important factors in your credit score.
From rent to homeownership.
Start free with MOVE™. Upgrade to BUILD™, GROW™, or OWN™ when you're ready to build credit, earn rewards, and own sooner.