Learn what a credit history is, how it affects your credit score and report, and tips for improving it. Unlock better loan rates by mastering your credit history.

With some of the most common credit score models, an 850 is the best you can get. Sometimes, people get really hung up on that "perfect" score, agonizing over every point change, even if their scores ...

In everyday life, we often use the terms credit score and credit report interchangeably to describe the evaluation issued by a credit bureau regarding our creditworthiness. While both serve as tools ...

Whether you’ve got a house move on the horizon, a renovation to fund or you have plans to go back to studying, there are plenty of reasons why you might need to borrow money. Although it might seem ...

As a newcomer to Canada, if you plan to borrow money or apply for a credit card, it helps to understand how credit scores and credit reports can affect you. A credit report is essentially a summary of ...

In Canada, credit scores can be as high as 900 and as low as 300, but don’t worry: if you’ve never had credit activity — a credit card or loan, or instance — you won’t start at 300. You’ll start with ...

No matter how old you are, once you’re an adult paying your bills is just a part of life. Added to that, with the ebb and flow of income due to job loss or career change, your credit card balances can ...