Rebuild your credit. One payment a month. Reported straight to Equifax.

No. Signup does not trigger a hard credit inquiry. Your progress then depends on consistent on-time payments and your overall credit habits.

Membership payments are reported to Equifax Canada based on the active reporting cycle.

Every profile is different. Many members start seeing movement after a few monthly reporting cycles with consistent activity.

Yes. There is no long-term contract, and you can stop your membership whenever you choose.

No. AvenaCredit is a credit-building membership, not a traditional credit card with a spending limit.

Yes. The service is available in Quebec, with bilingual support and a localized customer experience.

A tradeline is just one account on your credit report. Your report is a list of accounts, each marked paid on time or not. Lenders read that list to decide if they trust you. A short or damaged list gives them little to go on. AvenaCredit adds a positive line to your list - always paid on time, reported to Equifax monthly, without you borrowing a dollar.

A real credit card you back with a refundable deposit. Your deposit becomes your spending limit, and it stays safe in the background. Use the card like any other - and when you close it in good standing, you get your deposit back. It's never a fee. Here's what sets ours apart: many secured cards don't report to the credit bureaus - so they never actually help your score. The AvenaCredit card is reported to Equifax every month, so each payment builds your credit. Set a deposit from $250 to $5,000, and it reports to Equifax monthly as a second positive tradeline - actively growing your score.

The bills you already pay get reported to Equifax - so they finally count. Paying rent, hydro, gas, or internet on time does nothing for your score by default; the bureaus never hear about it. We report each payment as a positive mark - no new spending, no new accounts. Just credit for what you're already doing. Included in Build and Boost.

We add rent you've already paid to your credit file. You've paid rent on time for years, but it never counted - rent isn't reported by default. Backdating adds up to two years of that history at once, so you start with proof you're reliable instead of building from zero. One of the fastest ways to strengthen a thin file - credit for history you already earned. Included with Boost.

AvenaCredit focuses on monthly reporting and progress tools. AvenaWise is primarily the education and guidance layer that helps you make better credit decisions.

No. Your membership builds credit on its own, with no deposit required. The card is an optional add-on for members who also want a revolving credit line they control and a second tradeline on their file.

You choose a refundable deposit from $250 to $5,000, which becomes your credit limit. You use the card like any other, and we report it to Equifax Canada every month. It's $9.99/month for Starter and Build members, and included free with Boost. Your deposit is returned when you close the card in good standing.