The score
- My credit score is a three-digit number with a two-digit attitude.
- Why was my score shy? Too many hard looks.
- I checked my score and it asked for a reference.
- A "fair" rating is the score being polite about being mean.
- My favourite number is 700, and it's aspirational.
The rebuild
- I paid down a card and the score blinked, slowly.
- Why did utilization drop? Because I stopped looking at things I could buy.
- A secured card is training wheels for credit.
- My score and I are in couples therapy: weekly statements, slow progress.
- A clean payment history is the score's love language.
- I disputed an error and the score sent a thank-you note, six weeks later.
Save thousands
Save thousands by refinancing your vehicle anywhere in Canada.
Free to apply, no obligation, and no credit check to pre-qualify.
Frequently asked questions
Yes, all family-friendly.
Yes. Many drivers with bruised credit refinance, especially with a clean recent payment history on the car loan.
Pay on time, keep balances low, and avoid new applications. See our credit score guide for a full plan.