You don’t have to pay for expensive tools, there are ways to get free credit report in Canada. If you’d like to secure a loan, whether to make a big purchase like a brand new vehicle or to secure a mortgage, one key step to take is to apply for your credit report. A credit …
There comes a time in your life when you’d have to ask yourself how many credit cards are enough for your financial health. For every rule, there is an exception, but in this case, there are no rules nor exceptions as to how many credit cards you might need. The straight to the chase answer …
How Many Credit Cards Should You Have in Canada? Read More »
A credit score is a numerical worth appointed to all borrowers, representing a person’s capability to repay a loan. This score converts the information on your credit report into an actual number that lenders use and measure once creating credit decisions and accepting new borrowers. Your credit score paves the way to significant milestones in …
Purchasing a home can be one of the most difficult life experiences you’ll ever go through. The process is even more daunting if you’re buying a house in Canada without a credit history. All over the country, many individuals are deciding to quit renting and purchase their first homes because it’s a lucrative investment in …
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Credit card insurance is not talked about often, but it is great protection for those that want to make sure that they can always pay back what they owe. All credit card companies offer it, and most will offer you the option of opting in when you sign up for it, or periodically throughout a …
Finding the best student credit card for your needs can be a daunting task, especially with the many options out there. We’ve reviewed some of these credit cards for students in Canada. Many Canadian students find the transition from high school to college a steep hill to climb. Not only will they be living away …
Secured credit cards like the TD Secured Credit Cards are credit cards that are backed by a security deposit. Canadians who want a secured credit card must deposit funds with the credit card issuer. The funds may be one or two times higher than the available credit limit. The deposit is “secured” because it protects …
Canada RIT is a tax refund from the Canada Revenue Agency (CRA) often in form of a direct deposit. Canada RIT deposit is not something you see often in a Canadian bank statement. Whenever it reflects in your bank account, it is essential to know what it is and how it relates to you and …
The reality is, most things will eventually be replaced by newer, brighter, shinier things. And it’s no different when it comes to credit cards. Although the decision to switch credit cards should be inspired by a little more than wanting a new or fancy-looking card. Still, just because you’ve had a credit card for a …
A credit score is a number that reflects the more detailed information found in your credit report. There are two major agencies in charge of compiling the data that makes up a credit score; TransUnion credit score and Equifax. These agencies keep tabs on your spending habits, loan history, and credit card usage, converting all …
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