No credit check. No new loan. No hidden fees. Just a simple membership that quietly builds your score in the background.
Most Canadians are doing everything right and getting nothing for it. You pay rent on time. You pay your phone bill. And yet when you apply for a car, a lease or a mortgage, the file comes back thin or damaged as if none of it happened.
AvenaCredit fixes that. One simple payment, reported every month, starts building the file you should already have.
A membership built around one idea: on-time payments, reported every month, should count for something.
Each membership payment is reported as a positive tradeline to Equifax Canada. Twelve on-time payments build the history lenders look for.
See your score, every payment we’ve reported and the factors moving your number — all in one place, updated monthly.
Plain-language guides and personalized tips based on what’s actually on your file: what to pay down, what to leave alone, what to dispute.
Get a heads-up before a due date slips or a card balance climbs past the level that starts costing you points.
A reported tradeline, your rent and utilities on file, a real credit card and the alerts that keep it all working — one login, one payment date, no credit check.
AvenaCredit is a Canadian credit-building membership. Each monthly payment is reported to Equifax Canada as an on-time payment on a $1,000, $1,500 or $3,000 tradeline, depending on your plan. Build and Boost also report your rent and utility payments; Boost backdates up to two years of rent and includes 1-on-1 credit guidance. An optional secured credit card adds a second tradeline. There is no credit check, no loan and no interest. Members gain an average of 71 points after 12 months.
Reported to Equifax Canada every month as an on-time payment. Larger than a typical starter line, and it never involves borrowing.
Every planYour biggest monthly payments, finally on your file. Tenant-side — your landlord doesn’t need to sign up for anything.
Build and BoostUp to 24 months of rent you’ve already paid, verified and added to Equifax. History you earned, showing up at last.
BoostThe AvenaCredit Secured Card: you set the limit with a refundable deposit, and it reports to Equifax as a second tradeline.
+$9.99/mo · free with BoostA heads-up before a balance crosses the line that costs you points, with the exact amount to pay to get back under it.
Every planTrack every reported payment, get the free Rebuild Your Credit ebook on every plan, and 1-on-1 credit guidance on Boost.
Every plan · 1-on-1 on BoostNo paperwork, no branch visit, no hard inquiry on your file.
Pick Starter, Build or Boost, enter your details and set up your monthly payment. No credit check — signing up never touches your score.
Takes about 3 minutesYour membership is charged on the same date every month. One small payment, always on time — that’s the whole job.
Set it and forget itWe report every payment to Equifax Canada as a positive tradeline. Follow the progress in your dashboard and get tips on what to do next.
First report within 30–45 daysNo more guessing whether things are getting better. Your dashboard shows your score, every payment we’ve reported and what to do next, in plain language.
Credit scores in Canada weigh five factors. The two biggest — paying on time and keeping balances low — make up nearly two-thirds of the number. AvenaCredit adds a perfect payment record every month and warns you before a balance starts costing you points.
You don’t need a new loan to fix your credit. You need on-time payments that get reported.
Most score drops aren’t from big mistakes. They’re from a card that crept past 30% of its limit, or a bill that was three days late. Every AvenaCredit plan includes monthly balance alerts, so you get a heads-up while there’s still time to act.
Choose the tier that matches your credit goals. Every plan reports to Equifax Canada every month.
“I’d been paying rent for six years with nothing to show for it. Ten months in, my score is up 52 points and I just got approved for a car lease on my own.”
+52 pts in 10 months“After my consumer proposal I couldn’t get anything. This was the first account that would take me without a credit check, and it’s the reason my file finally has something positive on it.”
+67 pts in 12 months“New to Canada, zero history. The dashboard tips told me exactly what to do with my first card. Eight months later I qualified for a real credit card at my bank.”
No file → 684 in 8 months“The two-year rent backdate is what sold me. Twenty-four months of rent showed up on Equifax in one shot. My mortgage broker said it was the difference between B-lender and bank.”
Approved for a mortgage“Honestly I thought it was too good to be true. I checked my Equifax report at day 40 and there it was — the tradeline, paid as agreed. That was all the proof I needed.”
+31 pts in 4 months“The balance alert saved me twice. It told me my Visa was at 58% and exactly how much to pay before the statement. I never would have known that was costing me points.”
+44 pts in 6 months“Bankruptcy discharged in 2024. I started the month after. A year later I financed a truck at a normal rate instead of the 19% the first dealer quoted me. Worth every dollar.”
+84 pts in 12 months“Student, no co-signer, declined for a student card twice. Joined on Starter and added the secured card. By second year I had two accounts reporting and the bank came to me.”
No file → 702 in 11 months“The 1-on-1 guidance on Boost was the part I didn’t expect to matter. They walked me through disputing a collection that wasn’t mine. It came off in five weeks.”
+59 pts in 7 months“Landlord in Montréal wanted a credit check and I had nothing after years of paying cash. Got rent and utilities reporting on Build. Six months later I signed a lease in my own name.”
+48 pts in 6 months“We live three hours from the nearest bank. Everything was online, took me five minutes on my phone, and the first payment showed on my report the next month.”
+29 pts in 3 months“I’d tried a credit builder loan before and paid a fortune in interest for a tiny line. This reports a bigger tradeline, no interest, and I kept my money. Should have started here.”
+38 pts in 5 months“Seasonal work meant a couple of late payments I couldn’t shake. Twelve clean months on the tradeline plus the card and the lender stopped caring about 2023.”
+61 pts in 12 months“The secured card with the alerts is a smart combination. It tells you when to pay so the card reports low. My utilization went from 70% to under 10% and the score followed.”
+55 pts in 8 months“Two years after my proposal ended I was still stuck at 590. Fourteen months of Boost and I’m at 668 with a pre-approval in hand. The rent history did the heavy lifting.”
590 → 668 in 14 months*Individual results vary. Score changes depend on the full contents of your credit file.
Empty file, damaged file, or a decent score you want to push higher — a reported on-time payment every month is the fastest thing you can add to any of them.
Students, first jobs, newcomers to Canada. You can’t get credit without history, and you can’t get history without credit. We break the loop.
Consumer proposal, bankruptcy, collections. The past stays on your file for a while; a fresh run of on-time payments is what pulls the score back up.
A mortgage, a car, a lease. A stronger score in 12 months can mean a better rate — which is worth far more than the membership costs.
Already approved for most things? Rent history on your file and alerts that keep utilization low are what move a good score into the range where lenders quote their best rates. And if a recent application came back as a no, the same habits change the answer next time.
Every on-time membership payment is reported to Equifax Canada. If a payment you made on time ever fails to appear on your file, we fix it with Equifax at no cost to you — and that month is on us.
No. Signing up never adds a hard inquiry to your file. You can join with no history, a low score or a past bankruptcy.
No. AvenaCredit is a membership, not a loan. You never borrow money and there’s no interest. Your monthly membership payment is what gets reported.
Your first payment is typically reported to Equifax Canada within 30–45 days. How much your score moves depends on everything else on your file — members see an average gain of 71 points after 12 months.
A tradeline reported to Equifax Canada — $1,000 on Starter, $1,500 on Build and $3,000 on Boost — with each monthly membership payment reported on time. Build and Boost also report your rent and utility payments, and Boost adds a two-year rent backdate. The optional AvenaCredit Secured Card adds a second tradeline.
Membership is billed monthly with no interest and no setup fee, and Starter and Build can be cancelled anytime. Twelve consecutive on-time payments are what build the history lenders look for, so most members stay at least a year.
Tell us before your payment date and we’ll work with you. A returned payment carries the bank’s processing cost plus a small administrative fee to contact you and correct your file — details are in the Membership Agreement.
Yes. We follow PIPEDA and Quebec’s Law 25, your data is encrypted, payments are processed securely, and we never sell your information. You can request a copy or deletion of your data at any time.
Yes. Add the AvenaCredit Secured Card from your dashboard whenever you’re ready. You set your own limit with a refundable deposit of $250 to $5,000, it reports to Equifax as a second tradeline, and it costs $9.99/month on Starter and Build or comes included free with Boost.
Most credit-building apps do one job: report a small line, or report rent, or issue a secured card. AvenaCredit does all of it in one membership. Every plan reports a $1,000 to $3,000 tradeline to Equifax Canada, includes monthly balance alerts, a credit dashboard with tips and the Rebuild Your Credit ebook. Build and Boost add rent and utility reporting; Boost backdates two years of rent and includes 1-on-1 credit guidance; the AvenaCredit Secured Card adds a second tradeline on any plan. One login, one payment date, no credit check — and the file lenders actually approve, not just one line on it.
A credit builder loan locks your payments in a savings account and charges interest or fees to release them at the end; some carry rates above 25%. AvenaCredit is a membership: there’s no borrowed money, no interest and no credit check. The membership payment itself is what’s reported to Equifax as an on-time payment on your tradeline. Read the credit builder loan comparison for the full breakdown.
Still have a question? Email us at info@avenacredit.com.
Pick your plan, enter your details and set up your monthly payment. Your first reported payment is on its way to Equifax within 30–45 days.