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Which Canadian Secured Cards Report to Both Equifax and TransUnion?
Quick Answer
Neo and Home Trust say they report to both bureaus. Capital One: Not stated by the issuer. KOHO reports to Equifax only.
- Neo and Home Trust say they report to both bureaus. Capital One: Not stated by the issuer. KOHO reports to Equifax only.
- Home Trust's statement comes from a January 3, 2023 blog post, so confirm before applying.
- KOHO Credit Building isn't a credit card.
- Your own free reports are the final word on where an account shows up.
Checked on the issuer’s own pages: October 5, 2026
| Product | Reports to | What the issuer says |
|---|---|---|
| Neo Mastercard (secured limit) | Equifax and TransUnion | "reported to both TransUnion and Equifax" |
| Home Trust Secured Visa | Equifax and TransUnion (per its blog) | "reports the monthly status of your account to both Equifax and TransUnion" |
| Capital One Guaranteed Secured Mastercard | Not stated by the issuer | The expanded FAQ does not name the bureaus. |
| KOHO Credit Building (not a card) | Equifax only | "reports Credit Building activity to Equifax but not TransUnion" |
Lenders in Canada don't all pull the same bureau. If a product reports to only one, your good payments are invisible to anyone checking the other. See all five options side by side on our credit cards page.
“Every payment you make is reported to both TransUnion and Equifax.”
Neo Financial: Secured“reports the monthly status of your account to both Equifax and TransUnion”
Home Trust: Rebuilding credit history (January 3, 2023)“KOHO currently reports Credit Building activity to Equifax but not TransUnion.”
KOHO: Is KOHO good for credit building?“we’ll report your behaviour to the credit reporting agencies regularly”
Capital One expanded credit-building FAQ (checked October 19, 2026)
What to do now
Take these at your own pace. There's no deadline here.
- 1
See this product's figures, taken from the issuer's own pages.
View it on our credit cards page - 2
Pull your free credit report from both bureaus before you apply anywhere.
Get your free credit report - 3
Read related questions at your own pace.
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Educational only, not financial advice.