Confirm your home
Zenbase confirms your residency either through your landlord’s systems or your lease agreement.
Build credit with rent you already pay.
CreditBuilder adds your rent payments to your credit report, helping you build credit history.
Get startedHelping Canadians build credit with confidence.
9.3k+buildings use Zenbase
1M+homes across Canada
4.8★stars on Google
How CreditBuilder works
Verify your rent
Zenbase verifies your rent payments, including past payments if you choose RentHistory.
We report your payments
CreditBuilder reports your ongoing rent payments to Equifax and TransUnion to help build your credit history.
Build credit history. With rent you already pay.
Your credit history is a record of how you’ve handled payments over time. Rent reporting adds a verified record of your rent payments to your credit report.
Build your future. Include your past.
Build credit history with ongoing rent. Add past payments for a more complete picture.
CreditBuilder
$4/month
Report ongoing rent payments to Equifax and TransUnion.
RentHistory
Optional add-on$29.90one-time
Report up to 24 months of past rent payments.
Pricing may vary by partner
Some Zenbase users have seen their credit scores increase by 105+ points
On average, users see an increase of 28 points in the first three months.
You pay rent. Make it count.
Build payment history
Get your rent payments reported to both Equifax and TransUnion to build credit.
Pay rent your usual way
Pay rent as you normally do. Zenbase handles monthly reporting.
Add eligible past rent
Build your credit history with up to 24 months of previous rent.
Get started — $4/month
Keep paying rent as usual. Add past rent at signup if you choose.
Frequently asked questions
With CreditBuilder you can build credit by automatically reporting the rent payments you already make (regardless of payment method) to Equifax and TransUnion. You can easily improve your credit report to reduce your interest payments, access better financial products and build a verified and official rent payment history you can share.
CreditBuilder costs $4 per month. There are no other fees and no cancellation fees.
No, just keep paying your rent the way you currently do. There is absolutely nothing else for you to do each month to build credit!
When signing up for CreditBuilder you will have the option to report up to 24 months of previous rent payments. It may take up to 2 months for these payments to appear on your credit report.
Zenbase is the only service in Canada that automatically reports rent payments to build credit both with Equifax and TransUnion.
Reporting your rent payments with Zenbase CreditBuilder helps boost several different factors that help determine your credit score: - Your payment history is your track record of how successful you’ve been at making credit payments, and is the single biggest factor that makes up your credit score. By making your rent payments on time and having them reported to Equifax Canada, you’re building a strong payment history, signalling to lenders that you can be trusted with credit. - Your credit mix refers to the various types of credit accounts that make up your credit report. By adding an open tradeline for rent reporting, you’re diversifying the different types of credit on your report, which shows you are able to successfully manage multiple credit accounts. - If you’ve never had a credit product before and CreditBuilder is your first tradeline on your credit report, then you’ll also be building your credit history. The longer your credit history the more trustworthy you’ll be seen by future lenders.
Absolutely, all you need to do is to provide Zenbase with the new lease details and we take care of the rest!
