Plain-language guides to credit, lending, and the markets, written by working credit professionals and reviewed for accuracy.
74 articles
A decent credit score in Canada is roughly 660 to 724 on the 300-900 scale. See where it sits versus the average, what it unlocks, and what it costs you.
Canada holds a AAA sovereign rating from Moody's, S&P and DBRS, and AA+ from Fitch. Here is what that means and how it differs from your personal credit rating.
Better your credit score in Canada with a 90-day plan: pay on time, cut reported utilization below 30%, and avoid the three myths that quietly slow you down.
The Fed's own projections show rates easing only slowly: the June 2026 median sees end-2026 near today's level, then a gradual drift toward 3.1%.
No. As of 2026 the Bank of Canada is holding at 2.25% and no major forecaster expects a cut. Here's why rates stopped falling and what it means for you.
In Canada, a medical bill only affects your credit rating if it goes unpaid and is sent to a collection agency. Here is how that works and how to prevent it.
You need about 600 for a CMHC-insured mortgage and 680 for the best bank rates in Canada. See the score by path, the R-scale, and what a low rating costs.
In Canada, a student loan affects your credit rating through payment history. See how on-time payments help, what default costs, and government vs private.
Building credit from zero in Canada takes time, not tricks. A plain guide to secured cards, credit-builder loans and rent reporting, plus a realistic timeline.
The highest credit score in Canada is 900 on the Equifax and TransUnion scales. Here is how rare a 900 is, why 850 also appears, and if it is worth chasing.
A rate hike raises variable mortgage payments right away and fixed payments at renewal. See the mechanism, worked numbers, and what it means for you in Canada.
The highest credit score possible is 850 on FICO and VantageScore, and 900 on industry FICO scores. See how rare a perfect score is and who reaches it.