Join one waitlist for all five services available at launch. Eligible early signups can receive three months free on one ongoing rent or utility reporting service.
BuildMyCredit.io is a Canadian payment-reporting service. At launch, you can choose monthly rent, past rent, current utility, historical utility, or credit building. Eligible payment history is reported to Equifax Canada.
Choose only the services that fit your needs during setup. Joining the waitlist is free and does not activate reporting, collect payment details, or create new debt.
One signup keeps you updated on every BuildMyCredit.io service coming to Canada.
Early-signup offer. A limited number of waitlist members can receive three months free on one ongoing rent or utility reporting service.
The offer
We don't collect payment details for the waitlist or for the free months. Nothing auto-charges when they end.
Near the end of month three we'll ask. Say nothing and reporting simply stops — no charge, no chasing.
Payments reported during the free months stay on your Equifax credit file, whether or not you keep going.
Straight answer
The waitlist covers every launch service. The free-month offer may be used for one service only: either ongoing monthly rent reporting or ongoing utility reporting. It gives eligible early members time to see reported payments reach their Equifax credit file before deciding whether to continue their chosen service.
Historical rent reporting, historical utility reporting, and Credit Builder are not included. You will see the regular price and eligibility details for every service before activating anything, and you can choose one service or combine several.
The process
Five stages, in this order. Joining the waitlist costs nothing; any future price is shown before you activate reporting.
Step 1
Enter your name, email, and province or territory. Joining is free and does not activate a service.
Step 2
You get an email when the launch services are available in Canada.
Step 3
Select monthly rent, past rent, current or historical utilities, credit building, or a combination.
Step 4
Review the price and consent for each choice, complete its requirements, and complete a one-time ID verification.
Step 5
Your eligible payment history is sent to Equifax Canada for the services you activate.
If you qualify for the early-signup offer, you choose one eligible ongoing service. Its free months begin with its first eligible reported payment—not when you join the waitlist.
Your reporting options
Monthly rent, past rent, current and historical utility reporting, and the credit builder will all be production services when BuildMyCredit.io goes live. You choose the services you want during setup; nothing is activated just because you joined the waitlist.
Turn the rent you pay each month into verified payment history. Your landlord confirms the tenancy and amount before reporting begins.
You may choose monthly rent reporting as the one service covered by your offer.
Rent you've already paid, added to your file as history rather than starting from zero the month you join. Same rule as everything else we report: your landlord has to confirm the amounts and the dates before they go anywhere.
How far back it can reach depends on what your landlord can verify and what Equifax Canada accepts. The available period is shown before you continue. Historical reporting is not included in the free-month offer.
Add an eligible reported payment line alongside rent or utilities, designed for people building a thin credit file who want more payment history working for them.
It is not a loan from us and does not create new debt. Credit Builder is not included in the free-month offer. Full terms are shown before activation.
Make eligible on-time utility payments part of your reported credit history, giving everyday bills such as electricity, gas and water a chance to count.
You may choose ongoing utility reporting as the one service covered by your offer. Supported bill types and verification requirements are shown during setup.
Add eligible utility payments you've already made as verified history instead of starting with only the month you join.
How far back you can report depends on supported providers, available evidence and Equifax Canada requirements. Your eligible period is shown during setup. Historical reporting is not included in the free-month offer.
These are launch services, not previews. Joining the waitlist only reserves your launch email and any eligible early-signup offer; it does not activate reporting. You will see the price, verification requirements and consent step for each service before you choose it.
Before you sign up
We aren't reporting yet — that's why this is a waitlist. All five services are intended to be available when we launch in Canada. We'll email everyone on the list when setup opens.
On-time payments reported to Equifax are a positive factor in how scores are calculated — that's the whole point of reporting them. What nobody can honestly tell you is how far your own score will move, because it reflects your entire file: the other accounts your other providers report, how long you've had credit, your balances, how recently you've applied for things. Be careful with anyone who promises you a number. We report payment history accurately; we don't show or track scores.
Yes. Your landlord confirms the tenancy and the rent amount so what reaches Equifax is accurate. It's a short confirmation link they click once — not an account they have to manage, and nothing for them to pay.
The offer covers one service only: either ongoing rent or ongoing utility reporting. When the free months on your chosen service end, we ask you first. Continue at the regular price shown before activation, or do nothing and that service stops. Historical reporting and Credit Builder are not included. There's no card on file from joining the waitlist.
You still join, and we still email you the day we launch. The free three months are reserved for a limited number of early signups — past that we'll tell you where you stand rather than leaving you guessing.
Your email, first name, and province or territory. Nothing else — no payment details, no identity documents, no credit data. Handled under PIPEDA. Ask us to delete your record and we will.
At launch, we report only to Equifax Canada. We do not currently report to TransUnion, although TransUnion may be added in the future. BuildMyCredit.io currently reports only to Canadian credit bureaus.
Join free for updates on all five services. Nothing is activated until you review the details and choose it.
Join the waitlist