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Credit
What Is a Credit Utilization Ratio and Why Does It Matter?
A credit utilization ratio, also known as a credit utilization rate or simply utilization rate, is a critical factor in determining your credit score....
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Credit
How to Fix Bad Credit and Improve Your Credit Score Fast
57% of Canadians don’t check their credit scores. Do you know the credit tips that can help repair your score? Don’t miss these five easy ways to fix bad credit...
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Credit
How to Check & Monitor Your Credit for Free in Canada
In this guide, you'll learn how to monitor your credit score every month for free without damaging your credit, and how to understand and interpret what's on yo...
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Credit
How to Get a Loan with No Credit History
If you have a credit report that is inactive, or no credit history at all, here are three things that will help you get approved for a loan....
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Credit
How Long Does it Take to Improve Your Credit Score?
The length of time it will take to repair your credit score will depend on what kind of marks are on your report. It’s important to know how long the process of...
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Credit
Do Credit Checks Hurt Your Credit Score and by how Much?
What’s the difference between a hard credit inquiry and a soft credit inquiry? How much does a hard inquiry affect your credit score and how long does it last o...
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Credit
What Is a Good Credit Score? (and How Can I Get One?)
We all know the importance of that mysterious little number called a credit score. It holds the power to grant you things like mortgages and lines of credit, an...
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Credit
Why is Your Credit Score Important?
You probably think school and perhaps work are the only places where you will be graded and scored for performance. Not true. In fact, we go through life being...
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Credit
No Debt Doesn’t Guarantee Good Credit
Getting a prepaid or low-limit credit card and having a healthy credit mix are some of the initial steps that a borrower with no credit history should take....
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