Credit rebuilding service

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

No credit check. No new loan. No contract. Just a simple membership that quietly builds your score in the background.

Start my membership -> See how AvenaCredit works

No credit check. Cancel anytime. Reporting powered by Equifax Canada.

AvenaCredit dashboard

Overview of your credit journey

Live preview

692

Credit score example

+18 pts

in 3 months

Your dashboard will show your current score, your AvenaCredit payment history and your month-to-month progress.

Official reporting partner
PIPEDA compliant
12,000+ members

Why this matters

Your rent, your bills, your hard work - none of it is on your credit file.

Most Canadians are doing everything right and getting nothing for it. You pay rent on time. You pay your phone bill. You keep your head above water every month. 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.

What you get

Everything you need to rebuild your credit - in one membership.

More than just a reported payment. AvenaCredit is a full credit-building system designed to move your score every single month.

Monthly reporting to Equifax Canada

We report your on-time payment as a positive tradeline every month, directly to your Equifax file.

Smart monthly balance alerts

Every month we send you a personalized alert showing what your balance should be, and the exact date to pay by - so you optimize the 30% of your score most people lose points on.

Live credit dashboard

See your current score, your full payment history, and month-by-month progress. Updated in real time.

Free "Rebuild Your Credit" ebook

New bonus

A plain-English Canadian guide covering utilization, collections, mortgage prep, and more. Yours to keep - even if you cancel.

Personalized score tips

Based on your actual profile, we recommend the specific moves that will push your score highest, fastest.

How it works

Three steps. That's it.

Step 1

Join in a few minutes

Choose your monthly plan and create your account.

Step 2

Make your monthly payment

Billed once a month. We handle the rest.

Step 3

We report and you see results

Track your score in the dashboard and get custom tips to improve even faster.

Your role

Your only job: keep your membership active

After you sign up, everything runs in the background. Your membership payment is charged automatically. We report that payment. Your dashboard updates. Your balance alerts arrive every month.

Your membership payment is charged automatically each month.
We report that payment to the credit bureau.
Your dashboard updates with the latest information.

Your role is simple: make sure your payment goes through every month. Keep that habit steady and you are giving your credit profile a real chance to improve.

Support and monthly guidance dashboard preview — You stay consistent, we keep the system moving every month.

Real-time tracking

A clear dashboard for your credit journey

No more guessing what’s happening with your credit. Your AvenaCredit membership includes a clean, easy-to-understand dashboard where you can see everything in one place.

See your current score

Follow your credit score and how it evolves over time, presented in a simple, friendly layout.

Track your payment history

See each AvenaCredit payment we reported, so you always know what is being added to your file.

Monitor your overall health

Get an overview of your credit situation and key factors that influence your score.

Stay motivated

Progress charts and simple explanations help you stay focused on the long-term goal.

How scoring works

What actually moves your score

Your credit score comes from five factors. Here's how much each one weighs - and what AvenaCredit does about it.

Payment history

35%

We add to it

We report an on-time payment to your Equifax file every single month - positive history, month after month.

Credit utilization

30%

We guide it

Smart monthly balance alerts tell you exactly what your credit card balance should be and when to pay - so you stop losing points on the second-biggest factor in your score.

Length of credit history

15%

We extend it

Every reported payment strengthens your file's age. Boost members can add up to 2 years of past rent for an instant length boost.

Credit mix

10%

We add to it

Our tradeline adds a new type of positive credit entry to your profile.

New credit / inquiries

10%

We protect it

No credit check at signup. No hard inquiry. Nothing to hurt your score on the way in.

Every single scoring factor - addressed. That's why AvenaCredit actually works.

Balance alerts deep dive

The move most people don't know about.

Your credit score doesn't care what you owe today. It cares what your balance was on your credit card's statement date. Pay down your card one day late and you can lose points for the whole month - even if you paid it in full right after.

Every AvenaCredit member gets a personalized monthly alert with:

The exact balance each card should be at before statement date.
The exact date to pay by.
Your optimal utilization target, updated as your credit grows.

It's the closest thing to a cheat code in credit scoring. And almost nobody knows about it.

Membership

Three-tier pricing grid

Choose the tier that matches your credit goals.

Starter

20.83$ /mo

$1,000 tradeline to Equifax
Monthly balance alerts
Credit dashboard + tips
Free Rebuild Your Credit ebook
Cancel anytime

Build

29.16$ /mo

$1,500 tradeline to Equifax
Monthly balance alerts
Rent + utility reporting
Credit dashboard + tips
Free Rebuild Your Credit ebook
Cancel anytime

Boost

70.83$ /mo

$3,000 tradeline to Equifax
Monthly balance alerts
Rent + utility reporting
2-year rent backdate
1-on-1 credit guidance
Free Rebuild Your Credit ebook

Who it's for

Is AvenaCredit right for you?

AvenaCredit is designed for people who want a simple, structured way to build or rebuild their credit.

New to credit and looking to start building a positive history.
Coming back from past credit issues and needing a clear, guided system.
Planning a major purchase - a car, a lease, a first home - and wanting to maximise your score beforehand.
Want to see what's happening with your score, not just guess.
Prefer one predictable payment instead of juggling multiple products.

Overview of credit progress and member journey — Built for real life profiles, not perfect credit histories.

Guarantee

Zero surprises. Zero lock-in. Zero hard inquiry.

AvenaCredit is built to remove the three biggest fears before you even start.

Worried about being locked in

No long-term contract. You can cancel anytime directly from your account.

Worried this could hurt your score

No hard credit inquiry at signup. Nothing new that damages your file on day one.

Worried about hidden fees

Clear pricing, predictable billing, and no surprise fees added later.

FAQ

The questions we get most often

Can this hurt my credit score?

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

Who do you report payments to?

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

How fast can I expect to see movement?

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

Can I cancel anytime?

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

Is this like a credit card?

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

Is this available in Quebec?

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

How is AvenaCredit different from AvenaWise?

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