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.
credit score
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 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.
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.
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