Credit
Credit reports, scores and the ways Canadians borrow.
CreditPoints vs cash back: what Canadian credit cards really pay once you redeem (2026 study)A card’s earn rate is only half of what it pays you.Nov 3, 2026 · 8 minRead 
CreditConsumer proposal vs bankruptcy (2026): only a licensed trustee can fileA consumer proposal lets you repay part of your unsecured debt over up to 5 years and keep your assets.Oct 30, 2026 · 8 minRead 
CreditEquifax vs TransUnion Canada (2026): one inquiry, two clocksCanada has two main credit bureaus, and they don’t keep identical files.Oct 27, 2026 · 9 minRead 
CreditDebt consolidation in Canada: loans, lines of credit and balance transfers comparedDebt consolidation means rolling several debts into one, ideally at a lower interest rate, so you make one payment.Oct 12, 2026 · 7 minRead 
CreditCredit utilization ratio: what it is and how it affects your credit scoreYour credit utilization ratio is the share of your available credit you’re using: your balances divided by your…Oct 11, 2026 · 6 minRead 
CreditBalance transfers in Canada: how they work and what they really costA balance transfer moves debt from one credit card to another, usually one with a 0% or low promotional rate.Oct 8, 2026 · 7 minRead 
CreditSecured credit cards in Canada: how they work and how to build creditA secured credit card is a real credit card backed by a deposit you pay up front.Oct 6, 2026 · 8 minRead 
CreditPay rent with a credit card in Canada (2026): earn points on rent?You can earn points and cash back on rent in Canada by paying through a service like Chexy, which charges your…Oct 2, 2026 · 20 minRead 
CreditCredit card travel insurance in Canada (2026): what happens at 65Most comparisons of credit card travel insurance rank cards by the dollar limit on emergency medical cover.Oct 1, 2026 · 19 minRead 
CreditWhat is a line of credit? How it works in CanadaA line of credit is a pool of money you can borrow from, repay and borrow again, paying interest only on what you…Sep 29, 2026 · 7 minRead 
CreditWhat is a good credit score in Canada?In Canada, credit scores usually run from 300 to 900, and a score of 660 or higher is generally considered good.Sep 27, 2026 · 6 minRead 
CreditHow to read your credit report (Equifax and TransUnion)Your credit report helps decide if you’re approved for a card, loan or apartment and what rate you pay, yet many…Sep 19, 2026 · 7 minRead
General information for Canadians, not financial, tax or legal advice. Each note lists the official pages it was written from. See our methodology.