Memberships open October 22. Get on the list and receive the free Rebuild Your Credit ebook today.

Join the launch list →
AvenaCredit
EN|FR
Join the launch listJoin
About AvenaCredit

Credit building you can check for yourself.

AvenaCredit is a Canadian credit-building membership. Each monthly payment is reported to Equifax Canada as an on-time payment on a tradeline in your name, with no loan, no interest and no hard credit check. This page covers who we are, how we work, what we never do, and how to verify every claim we make.

Plain terms

What we do, what we never do, and what you can check.

Credit building attracts companies that promise a lot. The fastest way to judge us is to look at what we actually do each month, and then confirm it on your own Equifax file.

What we do

  • Report your membership payment to Equifax Canada every month as an on-time payment on a $1,000, $1,500 or $4,000 tradeline, depending on your plan.
  • Report rent and utility payments on Build and Boost, and up to two years of past rent on Boost.
  • Offer a secured Mastercard with a refundable deposit, with no hard credit check.
  • Send monthly balance alerts and a dashboard with one clear tip at a time.
  • Work one-on-one with Boost members.

What we never do

  • Lend you money. We do not extend credit that can be withdrawn, so there is no debt, no interest and nothing to borrow.
  • Run a hard credit check. We verify your identity to prevent fraud, which leaves nothing on your file.
  • Remove accurate information from your file. No company can, and anyone promising it is selling something that does not exist.
  • Calculate your score. Equifax does, from your whole file.
  • Sell your information.

What you can check

From the founder

Why AvenaCredit exists.

I have spent years in Canadian consumer finance, close enough to lending decisions to watch the same thing happen week after week. Someone who had paid rent, a phone plan and utilities on time for years would apply for a car loan, a lease or a mortgage and get a no in minutes. Not because they were a risk, but because none of that history had ever reached their credit file.

Credit bureaus can only score what gets reported to them, and most of what people actually pay is never reported. Landlords do not report. Utilities and phone companies mostly do not. So a newcomer, a student, someone coming out of a consumer proposal, or simply someone who never wanted a credit card ends up with a thin or damaged file that says nothing about how they handle money.

AvenaCredit is the product I wished I could have pointed those people to. A membership where the payment itself is what gets reported, every month, to Equifax Canada. No loan to qualify for, no hard credit check to fail, nothing that can be withdrawn later. On Build and Boost, your rent and utilities finally count too. It is not a trick and it is not instant. It is a clean, verifiable record of paying on time, built the way the bureau actually measures it.

We keep the terms short on purpose: one monthly price, no interest, no setup fee, and every document public before you sign. If something is unclear, write to us at info@avenacredit.com. We answer within one business day, and I would rather you ask than wonder.

Tony
Founder, AvenaCredit

Built to be verified

Every claim on this site has a way to check it.

We would rather you verify than trust. Here is where each part of AvenaCredit touches something outside our control, and how you can see it for yourself.

  • Equifax Canada reportingAvenaCredit reports to Equifax Canada as a data furnisher. Your first payment typically appears on your file within 30 to 45 days. Pull your own report and look for the tradeline.
  • A real MastercardThe AvenaCredit Secured Card runs on the Mastercard network and works anywhere Mastercard is accepted. The deposit that sets your limit is refundable.
  • Payments Canada rulesYour monthly payment is a pre-authorized debit under Payments Canada Rule H1. You are told the amount and date of every debit, and the full PAD agreement is part of your contract.
  • Canadian privacy lawYour information is handled under PIPEDA and Québec’s Law 25. We collect what reporting requires, we never sell it, and the Privacy Policy says exactly what we keep and why.
  • Public contractsThe Membership Agreement, Terms of Use, Pre-Authorized Debit Agreement and Equifax consent are published on this site. Read them before you join, not after.
The terms

What it costs and how it ends, in plain words.

No fine print to hunt for. Here is what a membership costs, what it needs from you, and how to reach us.

Monthly price$24.99 to $84.99Starter $24.99, Build $34.99 and Boost $84.99 a month. The Secured Card is $9.99 a month on its own and included with Boost. Prices in Canadian dollars, taxes extra.
Interest and feesNoneNo interest, no setup fee, no administration fee. Paying monthly costs nothing extra.
Term12 months, billed monthlyA membership runs 12 months, billed in equal monthly payments. Starter and Build can be cancelled anytime.*
Credit checkNoneNo hard inquiry and no minimum score. We verify your identity to prevent fraud, which leaves nothing on your credit file.
What we needBank account, ID details, SINA Canadian bank account for the pre-authorized debit; your legal name, date of birth and address; and your Social Insurance Number, so Equifax matches the tradeline to the right file.
WhereAll of CanadaAvenaCredit is a Canadian company serving every province and territory, in English and in French.
Supportinfo@avenacredit.comEmail is the fastest way to reach us. We reply within one business day, and you keep a written record of every answer.
The team

A small Canadian team, built around three jobs.

AvenaCredit is run by a small Canadian team. Everyone here works on one of three things.

Member support

Answers your questions about plans, payments and your dashboard by email, within one business day, and fixes anything that goes wrong with your account.

Reporting and compliance

Prepares the monthly file sent to Equifax Canada, checks that every on-time payment is recorded correctly, and keeps our payment and privacy practices in line with Canadian rules.

Credit guidance

Writes the monthly tips in your dashboard, keeps our guides current, and works one-on-one with Boost members on their next step.

Questions

Questions people ask before they trust us.

Short answers, with a way to check each one.

Is AvenaCredit legit?

Yes. AvenaCredit is a Canadian credit-building membership that reports to Equifax Canada. You do not have to take our word for it: your first payment appears on your Equifax file within 30 to 45 days, and every contract is published on this site before you sign. We also wrote a longer answer in Is AvenaCredit legit?

Is AvenaCredit a lender?

No. We do not lend money and we do not extend credit that can be withdrawn. The tradeline on your file reflects your membership payments, made on time, with no debt behind them. Our Secured Card is a deposit-backed Mastercard, so your own refundable deposit sets the limit.

Who is behind AvenaCredit?

A small Canadian team led by its founder, Tony, who spent years in Canadian consumer finance before building AvenaCredit. The team handles member support, reporting and compliance, and credit guidance. You can reach all of us at info@avenacredit.com.

Where is AvenaCredit available?

Everywhere in Canada. AvenaCredit is a Canadian company serving every province and territory, in English and in French. Equifax Canada reporting works the same way nationwide.

How do I know my payments are really being reported?

Two ways. Your dashboard keeps a dated log of every payment sent to Equifax Canada. And you can pull your own Equifax credit report 30 to 45 days after your first payment and find the AvenaCredit tradeline on it, with its limit and payment history.

What happens to my personal information?

We collect what credit reporting requires: your name, date of birth, address, Social Insurance Number and the bank details for your pre-authorized debit. It is used to report your tradeline and run your membership, protected under PIPEDA and Québec’s Law 25, and never sold. The Privacy Policy lists everything we keep and why.

How can I contact you, and how fast do you answer?

Email info@avenacredit.com or use the contact form. We reply within one business day, and you keep a written record of every answer.

Launching October 22

Be first in line when memberships open.

AvenaCredit opens for sign-up on October 22. Join the launch list and we’ll email you the moment it’s live — and you can download our free credit-building ebook right away.

  • Launch-day access, before we announce it anywhere else
  • Our free credit-building ebook, ready to download the moment you join
  • No hard credit check, no loan — plans from $24.99/month

Join the launch list

Takes 20 seconds. Two fields.

You’re on the list! Your free ebook is ready — open it now with the button or link below. We’ll email you on October 22 the moment memberships open.
Open your free ebook now (PDF)
Something went wrong on our end. Please try again, or email info@avenacredit.com and we’ll add you by hand.

You’ll get the ebook, one launch-day email and occasional credit tips. Unsubscribe anytime. We never sell your information.