The number itself
- My credit score and my patience have a lot in common: both drop when I check too often.
- Why did the credit score go to therapy? It had commitment issues and a long memory.
- I asked my score how it was doing. It said, "Depends who's asking."
- A perfect credit score is 900. Mine is closer to a sale price.
- My score went up 4 points. I celebrated with a coffee. It went down 4 points. The coffee was to blame, probably.
- Credit scores are like weather forecasts: confidently wrong at the worst time.
Applications and inquiries
- A hard inquiry walked into my report and stayed for two years, rent-free.
- I applied for credit. The lender said "thanks for the inquiry." I said, "you're welcome for the anxiety."
- Why don't credit scores tell jokes? Too many hard inquiries would result.
- My favourite hobby is watching my score pretend a closed card never happened.
- Pre-qualified isn't approved, the way "almost" isn't "yes."
- I paid off a card. The score shrugged. I paid off another. The score blinked. Slow crowd.
Improving it
- The fastest way to raise a credit score is to lower a credit balance, which is also the slowest.
- I keep utilization under 30 percent. My spending keeps it at 31. We're negotiating.
- Why did I set up auto-pay? So a Tuesday could protect my Friday.
- Good credit is just remembered bills. Bad credit is just forgotten ones.
- I told my score I'd behave. It asked for references.
- The best credit score joke is the one your lender tells you about your new rate.
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
A pre-qualification is usually a soft check. A full application may add one inquiry, and on-time payments afterwards typically help your score over time.
Pay on time, keep card balances below 30 percent of limits, and avoid new applications right before you apply. See our full guide for details.
Yes. Many drivers with bruised credit refinance, especially when their recent payment history on the car loan is clean.