What credit score do I need?

The minimum credit score to be considered for Requity's program is 500.

That said, your credit score is just one part of the picture. When we review your application, we look at your full credit profile — which means a score of 500 or above is a starting point, not a guarantee of approval. Two additional requirements apply:

• No unpaid collections or debt in default with an outstanding balance — any unresolved collections or defaulted debt will need to be addressed before you can be approved
• No active bankruptcy or consumer proposal — you must be fully discharged before applying

If your score is below 500, or you have outstanding collections or an active proposal, we may not be able to approve your application right now. Our team can suggest practical steps to help you get there and reapply when you're ready.

If your score is 500 or above and your credit history has some bumps — but no active issues — that's okay. The program is specifically designed for people rebuilding their financial footing, and our coaching is there to help you strengthen your profile while you rent.