{"id":33305,"date":"2021-08-05T09:41:35","date_gmt":"2021-08-05T13:41:35","guid":{"rendered":"https:\/\/env-hardbacon-dev.kinsta.cloud\/?p=33305"},"modified":"2022-01-13T17:50:16","modified_gmt":"2022-01-13T22:50:16","slug":"the-ultimate-guide-to-improve-your-credit-score-in-canada","status":"publish","type":"post","link":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/","title":{"rendered":"The Ultimate Guide To Improve Your Credit Score In Canada"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"33305\" class=\"elementor elementor-33305\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73526f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73526f8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1613bb2\" data-id=\"1613bb2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc85b29 elementor-widget elementor-widget-image\" data-id=\"dc85b29\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/elementor\/thumbs\/sponsored-by-pmnibtc81oza9ekl6l9df7nr5w0e8ix2e7q7ozetue.png\" title=\"sponsored by\" alt=\"sponsored by\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d114f48 elementor-widget elementor-widget-image\" data-id=\"d114f48\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/elementor\/thumbs\/refresh-logo@3x-pmnhn60lg0mje7s75cswtx2spwdm36opzdfipzxltc.png\" title=\"refresh-logo@3x\" alt=\"refresh-logo@3x\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79d3281 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79d3281\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0178da1\" data-id=\"0178da1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86ffaec elementor-widget elementor-widget-spacer\" data-id=\"86ffaec\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc641f6 elementor-widget elementor-widget-text-editor\" data-id=\"cc641f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400\">Want to hear a crazy statistic about debt? One in three Canadians admit they are on the verge of bankruptcy.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">In fact, most Canadians say they would not be able to pay a $200 surprise expense or shortfall in their budget. One unpaid sick day could be a recipe for disaster.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">And while there is a lot of shame and embarrassment surrounding financial insecurity and the bad credit that often goes with it, there really shouldn\u2019t be. Many Canadians are struggling to keep up. You are definitely not alone.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13b4196 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13b4196\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b54472\" data-id=\"0b54472\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1bf49d elementor-widget elementor-widget-text-editor\" data-id=\"f1bf49d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We know that bad things happen to good people all the time. So if you\u2019ve found yourself in some financial hot water and need to repair your credit and regain control of your finances, you have plenty of options available to you. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2e894ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e894ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-811f2cd\" data-id=\"811f2cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5e22dd elementor-widget elementor-widget-spacer\" data-id=\"d5e22dd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee1bf02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee1bf02\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cda14c\" data-id=\"7cda14c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element 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31-08-2022 *\/\n.elementor-widget-table-of-contents .elementor-toc__header-title{color:var(--header-color)}.elementor-widget-table-of-contents.elementor-toc--collapsed .elementor-toc__toggle-button--collapse,.elementor-widget-table-of-contents:not(.elementor-toc--collapsed) .elementor-toc__toggle-button--expand{display:none}.elementor-widget-table-of-contents .elementor-widget-container{min-height:var(--box-min-height);border:var(--box-border-width,1px) solid var(--box-border-color,#a4afb7);border-radius:var(--box-border-radius,3px);background-color:var(--box-background-color);-webkit-transition:min-height .4s;-o-transition:min-height .4s;transition:min-height 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i{font-size:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper:before{font-size:var(--marker-size,1em)}.elementor-toc--content-ellipsis .elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 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142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac3aa7 elementor-widget elementor-widget-spacer\" data-id=\"aac3aa7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3766e1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3766e1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a25f18\" data-id=\"5a25f18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c0f26c elementor-widget elementor-widget-heading\" data-id=\"0c0f26c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 22-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What Is A Credit Score And How Is It Calculated?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ca792a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca792a3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24fc342\" data-id=\"24fc342\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a71bb89 elementor-widget elementor-widget-image\" data-id=\"a71bb89\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"682\" src=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1024x682.png\" class=\"attachment-large size-large wp-image-33309\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1024x682.png 1024w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-300x200.png 300w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-768x512.png 768w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic-1536x1023.png 1536w, https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/infographic.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ffaf140 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffaf140\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0158ab\" data-id=\"c0158ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-217a97c elementor-widget elementor-widget-spacer\" data-id=\"217a97c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f93a28e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f93a28e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3cd7200\" data-id=\"3cd7200\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f65d8fd elementor-widget elementor-widget-text-editor\" data-id=\"f65d8fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When you apply for a loan, you are asking for someone else\u2019s money on the promise you will pay it back each month for a specific period of time. Since lenders don\u2019t know anything about you personally, like how trustworthy you are, your credit file is like a report card on your ability to handle money that doesn\u2019t belong to you. And your credit score is the specific grade evaluating how good you are at keeping your financial promises. The majority of your credit score is based on your payment history. If making your payments on time every month were an exam, it would make up 35% of your final grade. If you mess this part up, it has a serious impact on your score. One late payment could cost you 150 points and it stays in your file for 7 years.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The second most important part of your score is how much available credit you are using, known as your credit-utilization ratio, and it accounts for 30%. Imagine your credit card and lines of credit limits are a pie. Every time you charge something to your credit card or withdraw money from a line of credit it's like eating more and more of that pie. The more you eat, the more it hurts your score.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Next is the age of your credit file which makes up 15% of your score. Those new to credit will have a much lower credit score because it\u2019s almost impossible to tell how well they can handle and pay back their debt. Those with older files, and credit accounts that have been open for many years, often have a higher score because potential lenders can see how they have handled those debts over time.<\/span><\/p><p><span style=\"font-weight: 400;\">Finally, public records and inquiries contribute 10% each to your score. Public records are things like collections and legal judgements like bankruptcy or a consumer proposal. Inquiries are every time a lender accesses your credit file when you apply for credit. Obviously, collections and judgements hurt you the most. But too many credit inquiries in a short amount of time can hurt you too.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6650a56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6650a56\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dab87c9\" data-id=\"dab87c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74a7ad9 elementor-widget elementor-widget-spacer\" data-id=\"74a7ad9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5f057f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5f057f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cefba4a\" data-id=\"cefba4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8e5f1e elementor-widget elementor-widget-heading\" data-id=\"f8e5f1e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Can I Rebuild My Credit Score In A Hurry? <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7cd39e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7cd39e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e31d482\" data-id=\"e31d482\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f43d8f elementor-widget elementor-widget-text-editor\" data-id=\"5f43d8f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The best way to build credit is to use it. But what if traditional lenders say no? If your credit score is in the basement because life happened, there are tools available to help you get back on your feet even when the banks won\u2019t help.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e796f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e796f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89bf869\" data-id=\"89bf869\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bbada55 elementor-widget elementor-widget-spacer\" data-id=\"bbada55\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-640f594 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"640f594\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c69d83\" data-id=\"5c69d83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cef10be elementor-widget elementor-widget-heading\" data-id=\"cef10be\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: var( --e-global-color-primary ); font-family: var( --e-global-typography-primary-font-family ), Sans-serif; font-size: 1.78571em; font-weight: var( --e-global-typography-primary-font-weight );\">A Secured Credit Card<\/span><\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6611ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6611ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45bf5ca\" data-id=\"45bf5ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f67271 elementor-widget elementor-widget-text-editor\" data-id=\"7f67271\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Hands down the easiest way to repair your credit score is to use a credit card. But that\u2019s frustrating advice if you can\u2019t get one, or the ones you already have are maxed out. Refresh Financial offers a <\/span><a href=\"https:\/\/refreshfinancial.ca\/secured-card\/?referid=HardBacon&utm_campaign=Partner&utm_m[%E2%80%A6]ardBacon&utm_content=customcontent&webform=SecuredCardTable\" data-lasso-id=\"7434\"><span style=\"font-weight: 400;\">secured credit card<\/span><\/a><span style=\"font-weight: 400;\"> specifically designed to help you get to where you need to be. As long as you can provide a deposit, your approval is guaranteed.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf74e9a elementor-widget elementor-widget-html\" data-id=\"bf74e9a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"5f6a062dba713057455d88f2\">\r\n<div class=\"hb-widget hardbacon-comparator-widget\" data-comparator=\"credit-cards\" data-key=\"64f359b2-4b69-422f-a67f-e56ffd94cbe8\" data-hideanchor=\"true\" data-hidecopyright=\"true\" data-language=\"en\" data-products=\"5f6a062dba713057455d88f2\"><\/div>\r\n<script src=\"https:\/\/hardbacon-resources.s3.amazonaws.com\/comparator\/index.js.gz\"><\/script>\r\n\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9470874 elementor-widget elementor-widget-text-editor\" data-id=\"9470874\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once you receive your card and start using it, it\u2019s the same as using a regular credit card. You still need to make your monthly payments on time but doing so improves your credit score month over month. And Refresh Financial reports those payments to both TransUnion and Equifax.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f047c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f047c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a7a903\" data-id=\"7a7a903\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7950da9 elementor-widget elementor-widget-spacer\" data-id=\"7950da9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bbe1a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bbe1a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-488b3cf\" data-id=\"488b3cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84684f0 elementor-widget elementor-widget-heading\" data-id=\"84684f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A Credit Builder Loan <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-758da18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"758da18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a59d58d\" data-id=\"a59d58d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f135d7 elementor-widget elementor-widget-text-editor\" data-id=\"6f135d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Refresh Financial also offers a <\/span><a href=\"https:\/\/refreshfinancial.ca\/programs\/?referid=HardBacon&utm_campaign=Partner&utm_mediu[%E2%80%A6]ardBacon&utm_content=customcontent&webform=SecuredCardTable\" data-lasso-id=\"7434\"><span style=\"font-weight: 400;\">credit builder loan<\/span><\/a><span style=\"font-weight: 400;\"> which is a cross between a savings account and an installment loan. This product is a fairly new concept but it\u2019s a total game changer. Like an installment loan, you\u2019ll make regular monthly payments and those payments are reported to both credit reporting agencies.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">But like a savings account, those payments are set aside into a trust account for you. When you\u2019ve finished paying off the loan, your payments will be returned to you, minus interest and applicable fees. You can tailor this loan specific to your needs based on how much you want to borrow, how long you need it, and the monthly payment you can afford. You can even cash out early if you\u2019ve reached your credit score goal before the end of the term.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c9716ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9716ba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bda7a83\" data-id=\"bda7a83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-000a76e elementor-widget elementor-widget-spacer\" data-id=\"000a76e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-952f2f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"952f2f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-86fca46\" data-id=\"86fca46\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e1596b elementor-widget elementor-widget-heading\" data-id=\"4e1596b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Building And Maintaining A Good Credit Score<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-baef364 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"baef364\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8164585\" data-id=\"8164585\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6412d2b elementor-widget elementor-widget-text-editor\" data-id=\"6412d2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Rebuilding your credit score is only half the battle. And while tools like a secured credit card or a credit builder loan make it easier than ever, you need to maintain a good score in order to access credit in the future. How can you do that? <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-80fb3b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80fb3b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-731342e\" data-id=\"731342e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1daf8bd elementor-widget elementor-widget-spacer\" data-id=\"1daf8bd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5fc9e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5fc9e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a09a30c\" data-id=\"a09a30c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62c180e elementor-widget elementor-widget-heading\" data-id=\"62c180e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Check Your Credit File For Errors<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa86ced elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa86ced\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1386c37\" data-id=\"1386c37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9058725 elementor-widget elementor-widget-text-editor\" data-id=\"9058725\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Humans submit information about your borrowing behaviour to credit bureaus, and humans make mistakes. Monitor your credit regularly for inaccuracies and errors. There could be something on your file tanking your score that isn\u2019t actually your fault at all.<\/span><\/p><p><span style=\"font-weight: 400;\">Collection agencies are particularly notorious for not updating the credit bureaus once a collection item has been paid in full or settled. You can access your credit file for free from<\/span><a href=\"https:\/\/borrowell.com\/\" data-lasso-id=\"7434\"><span style=\"font-weight: 400;\"> Borrowell<\/span><\/a><span style=\"font-weight: 400;\"> and check it as often as you want without hurting your score.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ffd891 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ffd891\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d53f9c\" data-id=\"7d53f9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-095cc1c elementor-widget elementor-widget-spacer\" data-id=\"095cc1c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f4e277 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f4e277\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b0c6c1\" data-id=\"5b0c6c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdd8cbb elementor-widget elementor-widget-heading\" data-id=\"fdd8cbb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Make Your Payments On Time<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d932c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d932c9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-387e66d\" data-id=\"387e66d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a1b00f elementor-widget elementor-widget-text-editor\" data-id=\"4a1b00f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We hate to point out the obvious, but you need to make all your monthly payments ontime no matter what. There really is no wiggle room here, especially if you're trying to repair a damaged credit score. Keep track of your due dates and make sure you are submitting online payments at least 3 to 5 business days before the due date to ensure your lender receives it in time.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff62a31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff62a31\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c70698e\" data-id=\"c70698e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2773d63 elementor-widget elementor-widget-spacer\" data-id=\"2773d63\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c84bed0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c84bed0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29aa101\" data-id=\"29aa101\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5002f36 elementor-widget elementor-widget-heading\" data-id=\"5002f36\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pay Down Your Debt<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f61ec7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f61ec7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddefe40\" data-id=\"ddefe40\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38531c2 elementor-widget elementor-widget-text-editor\" data-id=\"38531c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You already know that part of your score is based on how much credit you have used on things like credit cards and lines of credit. But did you know that being over the limit hurts your score almost as much as a missed payment?\u00a0<\/p><p>Generally, any balance above 30% of your limit starts to negatively impact you. That means a credit card with a $1000 limit shouldn\u2019t carry a monthly balance over $300. Going over the limit is like punching your credit score in the stomach.\u00a0<\/p><p>On top of that, your lender will likely hike your interest rate and charge you an over limit fee. That basically renders your minimum monthly payment useless as far as reducing your balance, since it\u2019s all going to interest and fees.<\/p><p>If your credit cards are at or near their max limits, you need to work on paying them down as quickly as possible. There are two strategies that can help you do this &#8211; The Snowball method or The Avalanche method.<\/p><p>The Snowball Method focuses on paying off the smallest debt balance first. So list all your debts owing in order from smallest balance to highest. Of course you make your minimum monthly payment to each of them. But you\u2019ll aggressively pay down the smallest balance first by paying as much money over the minimum payment as possible. Once you have eliminated that debt, you\u2019ll move on to the next smallest balance, so on and so forth.\u00a0<\/p><p>The Avalanche Method focuses on paying off the debt with the highest interest rate first, usually a credit card. But if you have any subprime loans from a private lender, they can have rates much higher than credit cards. List all your debts owing from the highest rate to lowest.\u00a0<\/p><p>Then, just like the snowball method but in reverse, put as much extra cash as possible above the minimum monthly payment on to your highest interest debt. Just don\u2019t forget to keep making your minimum monthly payments to your other debts too, obviously. Once it\u2019s paid off, do the same with the next one on the list.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d759c5d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d759c5d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4902654\" data-id=\"4902654\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c36d316 elementor-widget elementor-widget-spacer\" data-id=\"c36d316\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f1058d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f1058d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-425173b\" data-id=\"425173b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efbb97e elementor-widget elementor-widget-heading\" data-id=\"efbb97e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Diversify Your Debt <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-906f6d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"906f6d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a3fab67\" data-id=\"a3fab67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17bfea4 elementor-widget elementor-widget-text-editor\" data-id=\"17bfea4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Just like a healthy investment portfolio needs diversification, so does your credit file. Don\u2019t put all your eggs in one credit basket, like having tons of credit cards or installment loans. Different types of credit show lenders you are capable of handling different kinds of credit products which come with different repayment requirements. A well rounded credit file makes you less of a lending risk<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81fa786 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81fa786\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3f148a\" data-id=\"c3f148a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658daa4 elementor-widget elementor-widget-spacer\" data-id=\"658daa4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90879e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90879e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27f9c9a\" data-id=\"27f9c9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b2ec27 elementor-widget elementor-widget-heading\" data-id=\"8b2ec27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Don't Close Old Accounts<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aafeaf5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aafeaf5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f02b418\" data-id=\"f02b418\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d67986 elementor-widget elementor-widget-text-editor\" data-id=\"6d67986\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Don\u2019t close old credit cards or lines of credit just because you don\u2019t use them anymore. As long as their balances are at or near zero, the longer those accounts remain open the better. It gives creditors a longer history to look at when assessing your creditworthiness. However, if you can\u2019t help yourself from using them and raking up balances, then you should definitely close them. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cd0776 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cd0776\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4950dc\" data-id=\"a4950dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a4c158 elementor-widget elementor-widget-spacer\" data-id=\"4a4c158\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8c788a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8c788a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7978091\" data-id=\"7978091\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c74c340 elementor-widget elementor-widget-heading\" data-id=\"c74c340\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Stop Applying For Credit<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0a67652 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a67652\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eff6de0\" data-id=\"eff6de0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84d212c elementor-widget elementor-widget-text-editor\" data-id=\"84d212c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">While credit inquiries make up a small percentage of your score, too many can tank it really fast. A hard inquiry will cost anywhere from 5 to 10 points off your score. The lower your score was to begin with, the more it will hurt you. While a few checks a year are normal and expected, many inquiries in a short period of time can drop your score low enough to fail basic qualification requirements. It also makes lenders think you are desperate for credit which makes you a higher lending risk in their eyes. If you\u2019re trying to rebuild a damaged credit score, you should hold off on applying for any new credit unless absolutely necessary.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72ea463 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72ea463\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a57f0\" data-id=\"72a57f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e6ff93 elementor-widget elementor-widget-spacer\" data-id=\"9e6ff93\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d571427 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d571427\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae9cf9c\" data-id=\"ae9cf9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea45952 elementor-widget elementor-widget-heading\" data-id=\"ea45952\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Takeaway<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8569d9c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8569d9c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5baa85e\" data-id=\"5baa85e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88ff32a elementor-widget elementor-widget-text-editor\" data-id=\"88ff32a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you\u2019re reading this, you\u2019ve probably been turned down for credit. Or maybe you\u2019re struggling to manage your debt and don\u2019t know what to do. Rest assured, no matter how badly you might be feeling, you are not alone. Most people take on debt with the best of intentions to pay it back as agreed.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">But then life happens, and when it rains it pours. Bad credit doesn\u2019t mean you\u2019re a bad person, it means you\u2019re human. There are tons of resources to help you take control of your debt and rebuild your credit. Understanding how your credit score works and making a few simple changes means you\u2019re on your way to better days.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>We know that bad things happen to good people all the time. So if you\u2019ve found yourself in some financial hot water and need to repair your credit and regain control of your finances, you have plenty of options available to you.<\/p>\n","protected":false},"author":171,"featured_media":33306,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":""},"categories":[525,771],"tags":[],"acf":[],"nelio_content":{"isAutoShareEnabled":true,"autoShareEndMode":"default","automationSources":{"useContentSentences":true,"useSocialTemplates":true,"useCustomSentences":false,"customSentences":[]},"followers":[],"suggestedReferences":[],"includedReferences":[],"efiUrl":"","efiAlt":"","highlights":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.2.1 (Yoast SEO v19.14) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Ultimate Guide To Improve Your Credit Score In Canada | Hardbacon<\/title>\n<meta name=\"description\" content=\"Bad credit doesn\u2019t mean you\u2019re a bad person, it means you\u2019re human. There are tons of resources to help you take control of your debt and rebuild your credit. Understanding how your credit score works and making a few simple changes means you\u2019re on your way to better days.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Ultimate Guide To Improve Your Credit Score In Canada\" \/>\n<meta property=\"og:description\" content=\"Bad credit doesn\u2019t mean you\u2019re a bad person, it means you\u2019re human. There are tons of resources to help you take control of your debt and rebuild your credit. Understanding how your credit score works and making a few simple changes means you\u2019re on your way to better days.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"Hardbacon\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hardbaconca\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-05T13:41:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-13T22:50:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Heidi Unrau\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@hardbaconca\" \/>\n<meta name=\"twitter:site\" content=\"@hardbaconca\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Heidi Unrau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"The Ultimate Guide To Improve Your Credit Score In Canada | Hardbacon","description":"Bad credit doesn\u2019t mean you\u2019re a bad person, it means you\u2019re human. There are tons of resources to help you take control of your debt and rebuild your credit. Understanding how your credit score works and making a few simple changes means you\u2019re on your way to better days.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"The Ultimate Guide To Improve Your Credit Score In Canada","og_description":"Bad credit doesn\u2019t mean you\u2019re a bad person, it means you\u2019re human. There are tons of resources to help you take control of your debt and rebuild your credit. Understanding how your credit score works and making a few simple changes means you\u2019re on your way to better days.","og_url":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/","og_site_name":"Hardbacon","article_publisher":"https:\/\/www.facebook.com\/hardbaconca","article_published_time":"2021-08-05T13:41:35+00:00","article_modified_time":"2022-01-13T22:50:16+00:00","og_image":[{"width":2560,"height":1920,"url":"https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-scaled.jpg","type":"image\/jpeg"}],"author":"Heidi Unrau","twitter_card":"summary_large_image","twitter_creator":"@hardbaconca","twitter_site":"@hardbaconca","twitter_misc":{"Written by":"Heidi Unrau","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/#article","isPartOf":{"@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/"},"author":{"name":"Heidi Unrau","@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/#\/schema\/person\/a193b5f74b2d637892e825654928c263"},"headline":"The Ultimate Guide To Improve Your Credit Score In Canada","datePublished":"2021-08-05T13:41:35+00:00","dateModified":"2022-01-13T22:50:16+00:00","mainEntityOfPage":{"@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/"},"wordCount":1793,"publisher":{"@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/#organization"},"articleSection":["Credit score","Improve Credit Score"],"inLanguage":"en-CA"},{"@type":"WebPage","@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/","url":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/credit-score\/the-ultimate-guide-to-improve-your-credit-score-in-canada\/","name":"The Ultimate Guide To Improve Your Credit Score In Canada | Hardbacon","isPartOf":{"@id":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/#website"},"datePublished":"2021-08-05T13:41:35+00:00","dateModified":"2022-01-13T22:50:16+00:00","description":"Bad credit doesn\u2019t mean you\u2019re a bad person, it means you\u2019re human. There are tons of resources to help you take control of your debt and rebuild your credit. 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She studied Economics at the University of Winnipeg, where she fell in love with all-things-finance. At 25, she got her first bank job as an entry-level teller. She moved up the ranks to Credit Analyst, Loans Officer, and now a Personal Finance Writer. In her spare time, you'll find her hiding in the car listening to Freakonomics podcasts, or binge-watching financial crime documentaries with a pint of H\u00e4agen-Dazs. When she's not chasing after her two little boys, she's in the hot tub or arguing with her husband over which cash back card to use for date night. She\u2019s addicted to coffee, crypto, and obsessively checking her credit score on Borrowell. Fun Fact: Heidi has lived in five different provinces across Canada, loves her free Tangerine bank account, and will never cut back on Starbucks. Like ever.","sameAs":["emartz2016@gmail.com"],"url":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/author\/heidi-middleton\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-scaled.jpg",2560,1920,false],"thumbnail":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-150x150.jpg",150,150,true],"medium":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-300x225.jpg",300,225,true],"medium_large":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-768x576.jpg",768,576,true],"large":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-1024x768.jpg",1024,768,true],"1536x1536":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-1536x1152.jpg",1536,1152,true],"2048x2048":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-2048x1536.jpg",2048,1536,true],"ebor-admin-list-thumb":["https:\/\/env-hardbacon-dev.kinsta.cloud\/wp-content\/uploads\/2021\/08\/hoang-le-JHuKu1x1yF0-unsplash-60x60.jpg",60,60,true]},"uagb_author_info":{"display_name":"Heidi Unrau","author_link":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/author\/heidi-middleton\/"},"uagb_comment_info":0,"uagb_excerpt":"We know that bad things happen to good people all the time. So if you\u2019ve found yourself in some financial hot water and need to repair your credit and regain control of your finances, you have plenty of options available to you.","_links":{"self":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/posts\/33305"}],"collection":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/users\/171"}],"replies":[{"embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/comments?post=33305"}],"version-history":[{"count":0,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/posts\/33305\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/media\/33306"}],"wp:attachment":[{"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/media?parent=33305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/categories?post=33305"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/env-hardbacon-dev.kinsta.cloud\/en\/wp-json\/wp\/v2\/tags?post=33305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}