Credit Rating
Read our articles and real-life stories to help you better understand and manage your credit rating.
What are the risks of a high debt ratio?
A high debt ratio can have significant consequences on your financial situation and overall well-being. If this is the case, being aware of it should motivate you to take...
How to improve your debt ratio?
The quickest way to reduce your debt ratio is to tackle your debts head-on. Here are some improvements that can help you achieve your goal.
What is a good credit score?
The world of credit holds many mysteries, and it’s not always easy to know exactly how it works. Yet, having what is commonly referred to as a “good credit...
Should you fear the impact of a proposal or bankruptcy on your credit rating?
Comparisons of the impacts on the credit report between people who opted for a proposal or bankruptcy compared to those who tried to get by on their own.
5 Tips to Improve Your Credit Score
While there’s no quick fix, here are 5 tips to enhance the quality of your credit score: Avoid Watch out for late payment Keep an eye on your credit limit Limit the...
How to rebuild your credit after a bankruptcy or a consumer proposal?
Discover our tips to rebuilt your credit report after a bankruptcy or a consumer proposal.
A costly error in the credit report – Real-life case
An error in a credit report can cause a lot of inconvenience, including depriving you of a loan that would otherwise have been granted to you. That’s what happened to...
How will my decision affect my credit file?
It’s perfectly valid for you to be concerned about the impact of your decision – whatever it may be – on your credit report, given the influence it has...
Our 7 tips to rebuild your credit file
There is no miracle recipe for rebuilding a mismanaged credit report. They promise to do it? Quite often, they will offer you a high-interest loan and will tell you...
The Dangers of a Bad Credit File
Your credit record has not always been very good and you wonder why? Here are the 2 main reasons that can explain a poor credit score and 2 examples...
The 4 elements considered when applying for a loan
A loan refusal is not only difficult to handle in terms of your self-esteem but also significantly harms your credit report and deprives you of your purchase or the...
Unable to pay for your house or your car anymore?
Can you simply make a voluntary deposit of your assets if you have difficulty paying for them?
What is a credit file?
The credit file has two main components: The first, your credit rating (the famous R1 and R2), which measures the time you take to pay each of your debts; and then,...
Credit rating: There is no easy way
Beware of ads promising to re-establish your credit rating and score with a simple loan or in exchange for the payment of fees. Only time, patience and good payment...
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