Securing Credit Inquiries: How Real-Time User Approval Can Fight Identity Theft
Unauthorized credit checks are one of the gateways to identity theft. A new proposal could change how credit inquiries work.
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Canada Q1 2025: What the Credit Aggregates Tell Us
Credit aggregates provide a bird’s-eye view of the health of Canada’s financial system. StatsCan’s Q1 2025 release reveals important trends.
Credit Access for New Canadians: Barriers & Opportunities
Canada’s population growth is being fueled by immigration—but newcomers face unique challenges when it comes to credit.
When Credit Bureau Updates Lag (e.g., Mortgage Payments Not Shown)
Mortgage or credit payments not showing on Equifax or TransUnion? Here’s why updates lag and what you can do.
Is an Unused Line of Credit Hurting Your Score?
Does an unused line of credit hurt your Canadian credit score? Learn the truth and best practices for managing it.
How Big of a Hit Are Hard Inquiries in Canada?
Learn how hard inquiries affect Canadian credit scores, how long they last, and strategies to minimize their impact.
What To Do When Credit Bureaus Show False Delinquencies
Incorrect late payments on your credit report? Learn how to dispute errors with Equifax and TransUnion in Canada.
How Long Does It Take for a Mortgage Renewal or Transfer to Update?
Find out how long mortgage renewals or transfers take to show up on Equifax and TransUnion credit reports in Canada.
What Causes Credit Score Drops Without Missed Payments?
Understand the common reasons Canadian credit scores drop even when you’ve made all your payments on time.
When Your Mortgage Doesn’t Show on Your Credit Report — What to Do
Learn why some mortgages don’t appear on Canadian credit reports and what you can do if yours is missing.
Why Did My Credit Score Drop After Paying Off a Mortgage?
Discover why your credit score can dip after paying off a mortgage in Canada, and learn how to stabilize it quickly.
Protecting Yourself from Identity Theft in 2025
Identity theft is on the rise in Canada — but with a few smart steps, you can protect yourself.
1. Monitor Your Credit Reports
Check Equifax and TransUnion at least once a year. Catching fraud early makes recovery easier.
2. Use Strong, Unique Passwords
A leaked password from one site shouldn’
Credit Myths That Could Be Hurting Your Score
There’s a lot of bad advice out there. Let’s bust some myths.
Myth 1: Checking Your Own Credit Lowers Your Score
❌ False. Soft inquiries (like checking your own report) have zero impact.
Myth 2: Closing Old Accounts Helps
❌ False. Closing an old card can shorten your history and
Top 3 Credit Card Mistakes Canadians Make
Credit cards can be powerful tools — or dangerous traps. Here are 3 mistakes to avoid.
1. Only Paying the Minimum
Paying just the minimum means interest piles up fast.
Example: A $2000 balance at 20% interest could take 10+ years to pay off if you only make minimum payments.
2.