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"Welcome to my Padlet wall about credit scores and how to improve them if you face trouble. Here, you’ll find helpful tips, videos, websites, and images that explain how credit scores work and how to fix them.

You’ll learn simple strategies to rebuild your credit, like paying bills on time, lowering your debt, and checking your credit report for mistakes. This wall is here to help you take control of your finances and build a stronger credit score!"

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This video provides step-by-step instructions on how to rebuild your credit after financial struggles. It explains the importance of paying bills on time, reducing debt, and checking your credit report regularly. The speaker also shares advice on avoiding scams that target people with bad credit.This video is simple and to the point, making it easy for anyone to understand. The section about avoiding scams stood out because it highlights a risk people rebuilding their credit might not think about.

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How to Rebuild your Credit Score Fast! (Credit rebuilding product reviews)

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This video explains how credit scores work in Canada and gives tips to build or improve your credit. It talks about paying bills on time, using only part of your credit limit, and having different types of credit. It also clears up common myths about credit and gives advice for people starting out, like young adults or newcomers.

I chose this video because it’s easy to follow and focuses on Canada. The tip about using a secured credit card to build credit was helpful for people with no credit history or bad credit. I also liked how it reminded viewers that building credit takes time and consistency.

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This video debunks common myths about credit scores, like whether checking your own score lowers it or if closing old accounts improves your score. It explains what truly affects your credit and what doesn’t, making it easier to focus on what matters. I chose this video because it clears up confusion about credit scores, which is really helpful for beginners. The myth-busting part was interesting and helped me understand what habits I should change to improve my credit.

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Credit Score Myths Busted: What You Need to Know// full credit knowledge video

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IMPROVE YOUR CREDIT SCORE IN CANADA | EASY STEPS TO BUILD CREDIT | Credit Card Guide Chapter 4

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This checklist image highlights the best ways to improve a credit score. It includes actions like paying bills on time, reducing credit card balances, checking your credit report for errors, avoiding new credit applications, and maintaining a long credit history.

I selected this image because it provides a simple yet effective summary of the most important actions to take for improving your credit score. The checklist format makes it easy to follow and reminds viewers of the key steps they should consistently practice to see improvements.

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This website explains what credit scores are, how they’re calculated, and why they matter. It also offers tips for maintaining a good credit score, such as paying bills on time and limiting credit inquiries.

As an official source, the information is reliable and accurate. The section about what affects your credit score was particularly useful for understanding how different actions impact your score.

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What is a Credit Score & How is it Calculated in Canada?

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What is the difference between a credit report and a credit score, and how are credit scores calculated in Canada.

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This article provides tips for improving your credit score, like reducing credit card balances, using credit-builder loans, and avoiding co-signing loans. Borrowell is a trusted Canadian company, and the tips are actionable and easy to follow. The mention of credit-builder loans was unique and stood out as a specific, less common strategy.

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The Ultimate Guide To Credit Scores in Canada

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It’s our hope that the information in this guide can help make credit scores more accessible and will help you either improve your credit score or take advantage of your good credit score.

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This pie chart visually represents the factors that influence credit scores, like payment history, credit utilization, and the length of credit history. It simplifies complex information into a clear visual, making it easier to understand how each factor contributes to your score.

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Factors Affecting Credit Scores (Pie Chart)

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This infographic outlines simple steps to rebuild your credit, like paying bills on time, keeping credit card balances low, and checking your credit report regularly. It’s visually appealing and sums up key points in an easy-to-remember format, making it a useful reference tool.

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The FCAC website offers a comprehensive guide to managing credit, including how to avoid common pitfalls and the importance of paying bills on time. It also provides tips on how to track your credit score and report any errors in your credit report. This government-run site provides reliable and clear information, and the tips on avoiding common mistakes that affect your credit score are essential. The guidance on tracking and monitoring your credit score through official channels makes it a valuable resource.

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This infographic shows the key steps to take after bankruptcy to start rebuilding your credit. It includes steps like checking your credit report, applying for a secured credit card, making timely payments, and creating a budget to avoid overspending. I chose this image because it provides a clear, step-by-step visual guide for individuals recovering from bankruptcy. The infographic's simple design helps people understand the process of rebuilding their credit after such a major financial setback.

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Steps to Rebuild Your Credit (Infographic)

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Reflective Questions

1. What did you learn about your topic that surprised you the most?
I was surprised to learn that small changes, like paying off even a little bit of debt or using less of your credit limit, can really improve your credit score. I always thought it would take a long time to fix, but these small actions can make a big difference.

2. Provide a real-life example of how this topic is relevant or interesting for you.
This topic is important to me because I’ve seen friends and family struggle with bad credit. It affects things like getting loans or paying higher interest rates. Now, I know that managing credit carefully is a good way to avoid these problems in the future.

3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?
The most important thing I would share is to regularly check your credit report and always pay bills on time. It’s important to keep your credit use low because it can really help your score and save you money in the future.