Rent Reporting

Where It Stands in Canada

Budget 2024 said on-time rent should count toward creditworthiness, and set an expectation under the Canadian Mortgage Charter that lenders take a renter’s on-time payment history into account in mortgage credit checks.¹ The budget asks for opt-in tools; it does not require landlords or tenants to report.

The Financial Consumer Agency of Canada’s credit report basics page does not list rent as something that appears on a report today.² Whether a given tenant’s rent shows depends on the tool and bureau they use.

What It Means for Landlords

For applicants with thin files, a reported rent history may show up as a positive line on the credit report. Reporting also has to fit Ontario’s rule that neither a landlord nor a lease can require post-dated cheques or automatic payments for rent.³

PropTx Verify lists rent reporting to Equifax as a coming-soon feature.

This page is general information about Ontario law, not legal advice.

Related Terms

• Credit Score (Canada)
• Tenant Screening Report

Sources

1. Budget 2024, Chapter 1: More Affordable Homes

   Department of Finance Canada, 1.2 Making it Easier to Own or Rent a Home, Credit for Paying Rent. Accessed October 22, 2026.

2. Credit report and score basics

   Financial Consumer Agency of Canada, Who creates your credit report and score; Your credit score and how it’s used (page dated 2026-07-01). Accessed October 22, 2026.

3. Residential Tenancies Act, 2006, S.O. 2006, c. 17

   Government of Ontario, e-Laws, s. 108, consolidated from September 21, 2026. Accessed October 22, 2026.