Are you struggling with past financial mistakes and trying to change your credit karma? We’ve got tips and information to help you improve your credit rating and money skills.
Even With Damaged Credit, Karma Can be Beat!
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Learn About Credit
We’re passionate about helping you develop money skills. Check out these informative blog posts about using credit responsibly and avoiding debt traps.
What’s the Difference Between Secured & Unsecured Debts & Loans?
Knowing the differences between secured and unsecured debts can help you choose the types of loans or other debts that work best for your financial situation.
Get Your Own Credit Reports for Free from Equifax & TransUnion
There’s often a lot of confusion over credit reports and scores. Here’s how you can get free reports from Equifax and TransUnion – and what to do with them.
7 Things That Are Not On Your Credit Report
When and how to use credit responsibly and avoid debt traps. Find out what is and isn’t on your credit report.
How to Read Your Credit Report and Understand Your Score
If you’re looking at a credit report for the first time it can be quite intimidating. Your credit report may be a single document but it holds a lot of power in your life…
3 Easy Mistakes that Can Destroy Your Credit Score
Credit scores take years to build up, but can get destroyed with only a few small mistakes. A good credit score can help you get better interest rates on loans and mortgages and can even help you rent apartments.
Why is Available Balance Higher than Account Balance | Overdraft
Overdraft protection will make your available bank balance higher than your actual bank account balance. Overdraft is a loan, so find ways to budget for emergency expenses and save.
Use a Credit Card to Build a Good Credit Rating But Not End Up in Debt
Credit cards can be an easy way to build a credit rating because you only need to use them for a few small purchases each month. Here are some ways to do that.
How to Stop Yourself from Overusing Your Credit Cards
High school is a good time for students to start learning about credit. Here are a few things to consider as you look to learn a little more yourselves…
3 Common Credit Problems & How to Fix Them
People often ask how they can fix their credit. Depending on your situation and how much damage you’ve done, the answers vary. Here are answers to the 3 most common concerns…
Reward Credit Cards: Are the Points Really Worth It?
How do you figure out if rewards cards are worthwhile? Here are some of the potential drawbacks of using a credit card with rewards…
Why Not Paying Debts or Declaring Bankruptcy Destroys Credit
3. Not paying your debts or declaring bankruptcy. The worst thing you can possibly do for your credit rating is to not pay your debts…
3 Ways People Destroy Their Credit Score (Part 2 of 3)
Learn three common ways people destroy their credit scores, and find out how you can avoid doing these things to yours.
You Don’t Have to be in Debt to Build Credit
Some people think that they always need to owe something on a credit card to build their credit. The truth is that you don’t have to owe anyone even a single penny to build your credit…
Not sure which option is right for you?
Get answers from an expert.
With so many debt consolidation options out there, it can feel overwhelming to try and find the right one by yourself. One of our professional credit counsellors would be happy to guide you through this process by carefully reviewing your whole financial situation with you and answering any questions you have. Speaking with our certified counsellors is always free, confidential and without obligation.