Your rent is already proof. Now make it count.
Rented123 connects the rent you already pay to the credit bureaus that decide your financial future. Here is exactly how it works.
Three simple steps to a stronger score
From sign-up to your first reported payment, the whole process is designed to be effortless.
Create your free account
Start with MOVE™ at no cost, or choose BUILD™, GROW™, or OWN™ when you're ready for rent reporting and rewards. No credit card required to begin, and no impact on your score.
Verify identity (paid plans)
BUILD™, GROW™, and OWN™ require a one-time ID verification. We also securely confirm your rental agreement and monthly rent amount.
We report your payments
Each on-time rent payment is reported to the major Canadian credit bureaus, building a positive payment history.
Your rent is reported like a line of credit
Here is the part most renters never hear: when we report your rent, it does not just show up as a one-off payment. It is reported as a revolving credit line — the same kind of account that powers a credit card or a loan.
It is likely your largest credit line. Most renters spend more on housing than on any other bill, so reporting it can carry real weight on your file.
It builds history where it counts. A long, on-time payment record on a sizeable credit line is exactly what lenders look for in Canada and the U.S.
You are already paying it. No new debt, no extra spending — just credit for money that is already leaving your account every month.
The math
That is a $12,000 annual credit line — often the single largest credit line a renter will ever have, working quietly in your favor.
Example shown for illustration purposes only. Individual results vary.
Built to be safe, simple, and fair
We designed Rented123 so that getting started is risk-free from the very first day.
Bank-level security
Your data is protected with 256-bit encryption and never sold to third parties.
No hard credit checks
Enrolling and reporting never triggers a hard inquiry, so signing up will never lower your score.
Cancel anytime
No long-term contracts. Stay because it works, not because you are locked in.
Everything you might be wondering
Many members begin to see movement within a few months of consistent on-time reporting, though results vary by individual credit profile.
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.