In Canada, your reputation is built on data you don't have yet.
Even with significant savings and a stable job, you are often required to pay high deposits for phones, face rejection for car leases, and pay "newcomer" interest rates.
Settle's RAD reporting fills this gap by turning your reliable rent payments into a visible proof of character.
RAD Impact Visualizer
Compare your reputation path
Traditional lenders see a blank file, regardless of your income.
What is RAD Reporting?
RAD (Rent & Asset Data) is our proprietary way of bridging the gap between your real-world responsibility and the credit bureaus.
We verify your rent and income stability through your secure bank link, providing the "depth of file" that Canadian lenders require to say "Yes" to your first car, your first credit card, and eventually, your first home.
We securely connect to your accounts to verify income and rent without manual paperwork.
Your history is transmitted to Equifax Canada to build the official 'depth of file' lenders require.
We transform your 'off-book' rent into a verified asset that the Canadian system finally recognizes.
Access the Essentials.
Unlock phone plans without massive security deposits and set up utility connections on your own terms. Your payment history becomes your recommendation letter.
Secure phone plans and utility connections without the standard $500+ newcomer deposits.
Present future landlords with a verified record of reliability that goes beyond a basic credit check.
Move from 'financial ghost' to 'established resident' in months, bypassing typical 2-year waiting periods.
"You didn't just move here to live; you moved here to build."
First Winter Readiness.
Don't let a 'thin file' dictate the interest you pay for a reliable vehicle. Secure competitive rates for the car you need for the Canadian commute.
Qualify for leases and loans at prime interest rates instead of being penalized by high 'no-history' markups.
Many Canadian insurers use credit to determine rates; we ensure yours reflects your actual responsibility.
The Homeownership Blueprint.
Establish the 12-24 month evidence history required for a prime Canadian mortgage. We turn your rent into the downpayment of your financial character.
Build the 12-24 month historical depth that helps mortgage underwriters say 'Yes' faster.
Even a minor score improvement can save you hundreds per month on your future home loan.
The Settle Philosophy
We don't believe in the old rules.
The Canadian financial system was built on a simple, outdated assumption: that your credit score tells the full story of who you are. For renters, it doesn't. A credit score cannot measure your character, your community, your work ethic, or the sacrifices you made to arrive here. That is why we built the Settle Rent Guarantee—to give landlords a better, more human way to assess the tenant in front of them.
But the lending market plays by different rules.
When a bank reviews your mortgage application, they are not asking whether you are a good person. They are asking a specific, narrow question: can you service a large, recurring debt over 25 years? For that question—and only that question—your credit report is a legitimate tool. It measures exactly what a lender needs to know: your history of repaying what you owe.
"Landlords should never judge a tenant by their score. But a bank can absolutely judge a borrower by theirs. These are not the same question, and we refuse to pretend they are."— The Settle Team
RAD Reporting is not a compromise. It is a strategy.
By reporting your rent to the credit bureaus, we are not endorsing the old system—we are arming you to navigate it. Every on-time rent payment you make is now evidence that you can manage a major housing expense with complete reliability. That is the argument we make to the bank on your behalf.
We stand by a more human standard for renting. We also stand by your right to win the mortgage you deserve.
Common Questions
Arriving in a new country is complex. We aim to make your financial reputation the simplest part of the journey.
Start your story.
Build the life you came here for.
We limit each rollout to ensure every Settle member receives personalized reporting support. Your journey begins the moment you join the list.