Credit Score
Learn all about credit scores: what they are, why they matter, and how to improve them, no matter where you are in your financial journey.
How to build your credit from scratch as a Canadian immigrant
Your credit history doesn't transfer to Canada. Here's how to build credit from the ground up in six to 12 months.
What's your credit score? Why most Canadians won't answer honestly
A new survey found nearly one in four Canadians have lied about their credit score. Here's what's really going on, and what to do if yours isn't where you want it.
How to graduate from a secured credit card in Canada (and when you’re ready)
Once your credit score hits 680 and you've got 12 months of responsible use behind you, your secured card has done its job. Here's how to switch to an unsecured credit card—and what to do with your old account.
The Refresh Financial card no longer exists: Here are the top alternatives we found
While Refresh Financial nor Borrowell currently offer secured cards, here are the three top secured credit cards according to most Canadian rankings.
The Main Differences Between Equifax and TransUnion in Canada Explained
"Equifax and TransUnion are two different companies and they compete very hard against each other to come up with the most predictive score. So they change the way they calculate it all the time and they use different variables to calculate it"
How to Apply for a Credit Card Without Hurting Your Score in Canada
"When you first apply with Neo, we're only doing a soft check and we will use that to tell you what product you qualify for before we do the hard check."
Why You Actually Don't Need A Credit Repair Consultant To Fix Your Credit in Canada
Some of these companies claim they can remove negative information from your credit report, which is something no one can do if that information is accurate.