https://padlet.com/kimoa_kb/xmxhh3zh7k4 Made with swagger en-us 2019-03-30 19:54:10 UTC 2025-12-01 19:39:04 UTC hello@padlet.com kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346814733 by Kimberly Baker]]> 2019-03-30 19:56:45 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346814733 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346815302 2019-03-30 20:03:12 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346815302 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346817873 It is important to understand what affects your credit score.  First, what type of credit do you use.  Do you have a visa, MC, or line of credit?  What is the length of your history?  How much do you owe and what is your payment history?  Do you pay your bills on time?  Have you applied for any other type of credit?  These are all factors that will have an impact on your credit score.
www.gobankingrates.com]]> 2019-03-30 20:29:53 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346817873 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346820447 What does having credit mean.  It is more that just having a Visa or MC.  Having a mortgage, overdraft on your bank accounts, a loan or line of credit are all factors that can affect your credit score. The key is to make your payments on time. This is the best way to keep a good credit score but it can be challenging if your have high debt.  This is a government site that will provide you with services and information regarding credit available, managing your debt, help you understand your credit score and will provide you with steps to help you correct your credit score if need be.  ]]> 2019-03-30 20:45:23 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346820447 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346825072 Equifax is a Canadian company that will help you manage your credit score.  They do offer a 30 free trial.  This company will provide many different services in order for you to maintain your credit score.  This is an option to help prevent you getting into any problems.  You can check your credit score and monitor it in case of fraud, unexpected or  unauthorized changes.  will answer any inquiries you have and also offer insurance to protect your score.  If you are satisfied with this company, and wish to continue to use their services, a fee of $19.95 will be applied after the free trial.]]> 2019-03-30 21:25:03 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346825072 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346826793 This website provides you will a list of information that can help you improve your credit score. First get a copy of your credit report. Read over it carefully and dispute any errors you find. Avoid any new credit card purchases because it will raise the ratio of your credit card balance to their corresponding credit limits. It is important to pay off any past due balances you may have and avoid any new credit applications. Keep your accounts open because if you try to close an overdue account, it will negatively affect your score. It is important to make contact with your creditors and talk to them about the situation. Try to pay off any debt you may have and if you are having problems doing this, contact a professional for assistance. Be as tenacious and patient. This process may take some time.]]> 2019-03-30 21:52:39 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346826793 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346828879 This is an example of a Equifax Credit score summary.  It provides you with your credit score, Your range and where you stand compared to the Canadian population.  It provided you information on what is impacting your score.  This is a good option to help you stay on track and avoid running into problems with your credit score.
https://argentimpotfinancesassurancesquebec.files.wordpress.com/2016/09/equifax-credit-score.jpg?w=1040 ]]> 2019-03-30 22:23:25 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346828879 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346829729 This is a website that will help you increase your credit score within 30 days.  It informs you of the Canadian Credit score range. An excellent score is 760-900. If you have a score 650 and over, you can quality for a loan. Anything lower than 650, will be harder for you.  It provides information regarding personal loans, debt relief, auto loans and building better credit.  If your credit score is low due to missed payments or bankruptcy, it will take longer to raise your score.  ]]> 2019-03-30 22:37:01 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346829729 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346831564 This video is brought to you by RC Financial Corporation.  It is a detailed explanation of how to obtain your credit score.  This video gives you the names of 2 companies you can receive your report from.  It  provides information how you can become more credit worthy and obtaining lower interest rates. 
If your credit score is low, this is a 10 step detailed process that can help you raise your credit score.  Once you receive your credit report, it is essential you look over every detail to make sure there are no mistakes.  Also keeping in contact with your creditors is important.  If you make them aware of your situation, and you are trying to improve your credit rating, they can provide you with solutions that will help you achieve your goal.]]> 2019-03-30 23:09:18 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346831564 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346833008 This is a very helpful video that provides you with 3 important things you need to know about your credit score: the range of the score (300-900).  The higher your score is the more likely you are to pay back your debts.  The next thing you need to know is the 5 factors of your credit report.  This video gives you a great percentage breakdown of your report.  It explains that a new credit application will stay on your report for 3 years and could affect your score.  This can be referred to as a "hard hit" and checking your credit score can be referred to as a "soft hit".
The last thing you need to know is you do not have to check your credit score all the time.  Ideally you should check it monthly or annually.]]> 2019-03-30 23:32:33 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346833008 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346834300 Do you check your credit score?  56 percent of Canadians do not check it.  Having a good credit score will help you get better rates on mortgage rates and loans.  By having this information it will put you on a path that will help you maintain a good credit score or help put you on a path to improving your score.  This company will provide you with the information needed to lead you on the right path.]]> 2019-03-30 23:54:00 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346834300 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346835354 This video explains how 5 factors can hurt and improve your credit score.  Making payments is number 1.  Make sure you at least make your minimum payment to avoid extra interest.  Next, is the use of available credit.  Make sure the amount owing is well below your limit.  Third, is the length of time.  Creditors look at consistency over time.  Fourth, the number if inquiries.  Creditors may look at this as you living beyond your means.  Lastly, type of credit you have.  Creditors see it as you are able to juggle different types of credit.
Follow the 2-2-2 Rule
2 Major credit accounts for 2 years at $2000.  This will help improve your score.]]> 2019-03-31 00:13:45 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346835354 kimoa_kb https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346841251 2019-03-31 01:44:55 UTC https://padlet.com/kimoa_kb/xmxhh3zh7k4/wish/346841251