Credit score
Your credit score is a three-digit number that plays a major role in your financial life. It determines your creditworthiness and affects your ability to secure loans, credit cards, and even rent an apartment. In Canada, credit scores are calculated in a specific way to provide a fair assessment of your creditworthiness. But not all […]
We know that bad things happen to good people all the time. So if you’ve found yourself in some financial hot water and need to repair your credit and regain control of your finances, you have plenty of options available to you.
My career as a financial reporter and my long years spent in collections at Desjardins have taught me that credit reports are largely misunderstood. This financial analysis tool is the source of countless myths, even today. Even its name is confusing. Several terms are used interchangeably, sometimes incorrectly, to refer to it, such as credit report, credit […]
Ah, credit, where would we be without it? If you are reading this, we can presume that you have a credit score in the 500 range or are just curious about what options are available. In either case, you are in the right spot. Can you take out a mortgage with a credit score of […]
If you’re apartment hunting, potential landlords will run a rental credit check on you to ensure that you will make your rent payments on time. As a tenant, you may have some questions about what’s on your credit report and how to optimize your credit score to stand out in a competitive rental market. This […]
Roku is a great way to watch content from multiple streaming services on your TV. With a vast selection of channels, many of which are free, the Roku device delivers a superior TV viewing experience. While credit cards are typically used for payments, it isn’t the only option. In this guide, we’ll explore four alternative […]
Digitalization has drastically transformed the way we listen to music. Leading this transformation is Spotify, a widely-used streaming service with more than 11.3 million users in Canada. While using a credit card to pay for a Spotify subscription is convenient, it’s not the only way. Here are five great options that will keep your music […]
The digital revolution has remarkably reshaped the way we consume entertainment. A leading player in this transformation is Netflix, the global streaming behemoth that has over 6 million subscribers in Canada. While using a credit card is a common way to subscribe to Netflix, it isn’t the only route to access its vast content library. […]
In today’s day and age, having a good credit score is essential for your financial well-being. It not only affects your ability to secure loans and credit cards but can also impact your insurance premiums and even your chances of landing a job or renting an apartment. But what if you don’t have a credit […]
Are you looking to rent an apartment in Canada? If so, one of the most important aspects of your application will be your credit score. But what exactly is the minimum credit score required to rent an apartment in Canada? In this article, we’ll explore everything you need to know about credit scores and renting […]
If you’re planning on buying a home in Canada, one of the most important factors to consider is your credit score. This three-digit number can have a big impact on whether you’ll be approved for a mortgage, as well as the interest rate you’ll be offered. But what exactly is the minimum credit score needed […]
If you’re single and ready to mingle, finding love can be a challenging task, especially if you don’t have a credit card. Fortunately, there are a variety of free dating sites and apps available in Canada. In this article, we’ll highlight the top 10 free dating sites and apps you can use without a credit […]
