Does the Home Trust Secured Visa Report to Equifax and TransUnion?

• Yes. Home Trust's own blog says it reports your account to both Equifax and TransUnion every month.
• That blog post is dated January 3, 2023, so confirm with Home Trust before you apply.
• Your deposit is $500 to $10,000, and your limit equals your deposit.
• Pick $0 a year at 19.99%, or $59 a year at 14.90%. The card isn't available in Quebec.

Checked on the issuer’s own pages: October 5, 2026

Home Trust's article on rebuilding credit says it sends the monthly status of your account to both bureaus. Reporting to both matters because lenders don't all check the same one.

The article is from January 3, 2023. The card page itself doesn't repeat the bureau names, so it's sensible to ask Home Trust to confirm before you rely on it.

Home Trust says your deposit can be anywhere from $500 to $10,000 and becomes your credit limit. You choose between no annual fee with a 19.99% interest rate, or a $59 annual fee with a 14.90% rate. The lower rate only helps if you carry a balance.

Home Trust says you need a source of income, can't currently be in bankruptcy, and can't live in Quebec.