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Yes, you can (and should) report monthly rent to credit bureaus.
No court judgement or collection agency needed.
Each year, 100k+ Canadian 🇨🇦 landlords face non-paying tenants
An Ontario family is being forced to live in their basement because a long wait-list for the provincial tribunal has meant they've been unable to evict delinquent tenants….
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One Peterborough landlord says she's at her wit's end while dealing with a "nightmare" tenant situation who stopped paying rent in Sept. 2023. She attempted to remove her current tenant from their home, but the tenant quickly filed a stay of eviction. Since then, the house has allegedly been occupied by an unknown number of strangers….
In Ottawa, “professional tenants” (a husband and wife) moved from landlord to landlord, living mostly rent-free. Four different small landlords in one suburb fell victim to the same couple. One mom-and-pop landlord was left out about $100,000 after factoring rent arrears, unpaid utilities, legal fees, and property damage….
After more than 16 months of his tenants not paying rent, the landlord was hoping the problem had been solved when the provincial board that oversees rental issues sided in his favour and served the tenants an eviction notice. But, the Windsor, Ont., landlord was wrong….
A family endured an 11-month ordeal after their tenant ceased paying $3,200/month in rent and utilities (roughly $32,000 accrued) when asked to move out so the owners could reoccupy their home. The tenant refused to leave until forced by authorities, while the owners almost lost the house trying to cover the mortgage without rental income….
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A couple who bought a Toronto condo for retirement found themselves unable to evict a tenant who owed over $41,000 in rent. The tenant paid reliably for 9 months, then largely stopped paying in 2020, exploiting LTB backlogs to remain for years without full payment….
The tenant left owing $55,000 in unpaid rent, utilities, and repair costs. Ontario’s Landlord and Tenant Board (LTB) had earlier ordered her to pay $35,000 – the maximum under its jurisdiction – but delays and appeals prolonged the eviction….
An Ontario family is being forced to live in their basement because a long wait-list for the provincial tribunal has meant they've been unable to evict delinquent tenants….
One Peterborough landlord says she's at her wit's end while dealing with a "nightmare" tenant situation who stopped paying rent in Sept. 2023. She attempted to remove her current tenant from their home, but the tenant quickly filed a stay of eviction. Since then, the house has allegedly been occupied by an unknown number of strangers….
In Ottawa, “professional tenants” (a husband and wife) moved from landlord to landlord, living mostly rent-free. Four different small landlords in one suburb fell victim to the same couple. One mom-and-pop landlord was left out about $100,000 after factoring rent arrears, unpaid utilities, legal fees, and property damage….
After more than 16 months of his tenants not paying rent, the landlord was hoping the problem had been solved when the provincial board that oversees rental issues sided in his favour and served the tenants an eviction notice. But, the Windsor, Ont., landlord was wrong….
A family endured an 11-month ordeal after their tenant ceased paying $3,200/month in rent and utilities (roughly $32,000 accrued) when asked to move out so the owners could reoccupy their home. The tenant refused to leave until forced by authorities, while the owners almost lost the house trying to cover the mortgage without rental income….
A couple who bought a Toronto condo for retirement found themselves unable to evict a tenant who owed over $41,000 in rent. The tenant paid reliably for 9 months, then largely stopped paying in 2020, exploiting LTB backlogs to remain for years without full payment….
The tenant left owing $55,000 in unpaid rent, utilities, and repair costs. Ontario’s Landlord and Tenant Board (LTB) had earlier ordered her to pay $35,000 – the maximum under its jurisdiction – but delays and appeals prolonged the eviction….
Tenant application fraud has become alarmingly common in hot markets. Menkes Developments (a major property manager) reported that in a recent 6-month period, it screened 175 rental applicants and over 90 were disqualified for fraud or “discrepancies”. That’s more than 50% failing due to fake or doctored credentials. Common red flags include phony ID cards, fabricated credit scores, and forged employment letters or pay stubs. Other landlords and realtors have noted a surge in applicants lying about….
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A condo owner in Toronto, waged a months-long battle to evict two tenants he says defrauded him with fake documents. The pair (allegedly sisters) provided falsified IDs, job references, and credit reports to secure the lease, which looked “stellar” on paper. Once in, they paid no rent for 7 months – and even blocked the landlord from inspecting the unit….
Amid huge tribunal delays, some tenants are demanding massive payouts to move out, knowing eviction can’t happen quickly. According to paralegal Bita Di Lisi, “We have some tenants who ask for over $100,000. Some tenants are asking for the landlord to buy a plot of land for them” in exchange for . This “cash-for-keys” trend sees desperate landlords paying tens of thousands as unofficial buyouts, rather than endure months of lost rent during formal evictions
The Ontario Ombudsman’s investigation into the LTB highlighted an extreme damage case. A 74-year-old landlord endured a nightmare tenant who threatened him with a knife, hurled urine and feces at him, and intentionally flooded the unit with sewage. Despite applying in Dec 2019 to evict this tenant from hell, the landlord had to wait a full year for a hearing – and only in Jan 2021 did an order to vacate finally come….
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A landlord in Pembroke, Ontario, discovered roughly $100,000 in property damage after his tenants moved out. The 1,100-sq.-ft. house was wrecked with dog feces covering floors, large holes punched in walls, whiskey bottles strewn about, and signs of a sewage backup. Disturbingly, Dean even found a dead animal carcass wrapped in a blanket in the shed….
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A Yarmouth, Nova Scotia couple described their rental home as “a scene from a horror film” after evicting a tenant who stayed only three months. They returned to find piles of beer cans, rotten food, broken windows, and gaping holes in walls and ceilings, causing staggering repair costs….
Just last year, Marco had two houses to his name, but for months has been sleeping in his car — all because his tenants, whom he's been unable to evict, haven't paid their rent….
Tenant application fraud has become alarmingly common in hot markets. Menkes Developments (a major property manager) reported that in a recent 6-month period, it screened 175 rental applicants and over 90 were disqualified for fraud or “discrepancies”. That’s more than 50% failing due to fake or doctored credentials. Common red flags include phony ID cards, fabricated credit scores, and forged employment letters or pay stubs. Other landlords and realtors have noted a surge in applicants lying about….
A condo owner in Toronto, waged a months-long battle to evict two tenants he says defrauded him with fake documents. The pair (allegedly sisters) provided falsified IDs, job references, and credit reports to secure the lease, which looked “stellar” on paper. Once in, they paid no rent for 7 months – and even blocked the landlord from inspecting the unit….
Amid huge tribunal delays, some tenants are demanding massive payouts to move out, knowing eviction can’t happen quickly. According to paralegal Bita Di Lisi, “We have some tenants who ask for over $100,000. Some tenants are asking for the landlord to buy a plot of land for them” in exchange for . This “cash-for-keys” trend sees desperate landlords paying tens of thousands as unofficial buyouts, rather than endure months of lost rent during formal evictions
The Ontario Ombudsman’s investigation into the LTB highlighted an extreme damage case. A 74-year-old landlord endured a nightmare tenant who threatened him with a knife, hurled urine and feces at him, and intentionally flooded the unit with sewage. Despite applying in Dec 2019 to evict this tenant from hell, the landlord had to wait a full year for a hearing – and only in Jan 2021 did an order to vacate finally come….
A landlord in Pembroke, Ontario, discovered roughly $100,000 in property damage after his tenants moved out. The 1,100-sq.-ft. house was wrecked with dog feces covering floors, large holes punched in walls, whiskey bottles strewn about, and signs of a sewage backup. Disturbingly, Dean even found a dead animal carcass wrapped in a blanket in the shed….
A Yarmouth, Nova Scotia couple described their rental home as “a scene from a horror film” after evicting a tenant who stayed only three months. They returned to find piles of beer cans, rotten food, broken windows, and gaping holes in walls and ceilings, causing staggering repair costs….
Just last year, Marco had two houses to his name, but for months has been sleeping in his car — all because his tenants, whom he's been unable to evict, haven't paid their rent….
Reporting rent payments to credit bureaus gives landlords back control
Reduce Late Payments and Delinquencies
When rent payments affect credit scores, tenants are more likely to prioritize them — helping you reduce arrears and late payments over time.
Protect Your Investment
Evictions cost landlords $15,800+, and that’s just the financial cost. The time and stress saved from encouraging better payment behavior are invaluable.
Reward Responsible Tenants
By allowing tenants to build credit through on-time rent payments, you create an incentive for responsible payment behavior — aligning your tenant's success with yours.
How it works
1) Use Tuze to automate your rent collection — Rent payments are automatically collected through the app.
2) Automatically track rental arrears — The app keeps track of missed payments and overdue rent.
3) Report unpaid rent to Equifax — Once rent is overdue by 30+ days, you’ll have the option to report it directly to Equifax — holding tenants accountable.
Bonus: Reward on-time payments — Tenants can enroll to report on-time payments to Equifax to build their credit history.
With Tuze, every landlord can access rent reporting to credit bureaus
FAQs
Is this legal?
Yep. The Office of the Privacy Commissioner of Canada, responsible for overseeing PIPEDA (Canada’s privacy law), has explicitly clarified that landlords have the right to notify regulated mechanisms such as credit agencies in appropriate circumstances (like non-payment of rent).
👉 To learn more, check out these resources:
PIPEDA Overview
Privacy in the Landlord-Tenant Relationship
Tips for Landlords and Tenants
Do I need a court order to report unpaid rent?
No. A court order is NOT required to report unpaid rent. Once rent is overdue by 30 days, you have the right to report it to credit bureaus without a court ruling, provided you have properly tracked the arrears.
Do I need my tenant’s consent?
Unpaid rent: Tenant consent is NOT required to report unpaid rent to credit bureaus. However, to accurately track and report unpaid rent, you should start using Tuze before any arrears occur.
On-time rent: Tenant consent IS required to report on-time payments to credit bureaus. Tuze simplifies this by verifying the tenant’s ID and collecting consent on your behalf.
Privacy: No information is shared with credit bureaus unless you report unpaid rent or the tenant opts into on-time rent reporting.
Is this a collection agency?
No, Tuze is not a collection agency, and you do not need a collection agency to report unpaid rent to credit bureaus.
Our goal is to prevent unpaid rent from accruing in the first place - by giving you the same power as a collection agency to report unpaid rent to credit bureaus monthly.
Start reporting rent today to make it a top priority — like credit cards and mortgages.
