“They” said: Get into debt to build credit so you can qualify… for more debt. Genius. It’s like saying: Set yourself on fire and prove you know how to use a fire extinguisher — then ask you to light a bigger fire and watch you burn.
What were we thinking?
The Science
Score It. Report It.
We collect 3 days early
Because “on-time” doesn’t impress the bureaus — “verified and processed early” does.
We report to Equifax
Your rent gets submitted automatically. That “paid on time” energy? We make sure it counts.
Your credit score Rises
Consistency = credit glow-up. Track your rise inside the app and flex it wherever you want (even to your landlord).
Actions that actually get you towards more points!
TenantPay
Old School
🔔
Payment Reminders
Smart notifications & autopay
🙄
Rent Alerts
Stressy texts & emails
🎁
Credit Card Rewards
Smart notifications & autopay
❌
Card Benefits
None
📈
Credit Impact
Builds credit with Equifax
📉
Credit Score
Non existent.
🏆
Tenant Pay Points
Get rewarded
🚫
Reward Points
Zilch, Nothing. Nada.
🧾
Receipts & Records
Auto receipts + tax-ready summaries
📂
Payment Logs
M³: Manual, missing, messy
⏱
Payment Flexibility
Pay when you want, even in advance
🕰
Flexible Pay
Must pay on rent day
💳
Payment Methods
Visa, Mastercard, Interac, Crypto, Amex (soon)
💸
Pay Options
E-transfers, post-dated cheques, PAP’s
🙅
Landlord Involvement
Not needed (your in control)
👀
Owner Role
Always.
💬
Support
Real humans. Fast replies.
🕳
Customer Help
Hard to reach
✅
Transparency
Live tracking from payment to payout
🤷
Clear Tracking
“Did my rent go through?”
😎
Vibes
Modern, flexible, rewarding
😤
Overall Feel
Stale, stressful, stuck
The Lowdown
How do you help me build credit?
Magic! But not really. It’s all you. When you pay your rent through TenantPay, each on-time payment gets reported to Equifax— helping you build your credit profile over time. Delayed or missed payments can impact your score so consistency is key.
Can I check my credit report for free?
Yep. It’s in the app — your score and report. No fees, no weird “trial periods,” no shady fine print. Just clean info.
Do I have to pay for credit reporting or tracking?
Absolutely not. This isn’t one of those platforms. We report your rent + track your score for free. Because that’s how it should be.
Do I have to sign up for it, or is this automatic?
You’ll need to opt in. Just open the app and switch on Credit Builder — it’s quick, easy, and only takes a few taps.
Download the TenantPay App
Join thousands of tenants earning perks every month.
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