5 Ways to Damage Your Credit Score

May 10, 2016By adminBlog

1) Making Late Payments In general, your payment history has the strongest impact on your credit score. About 35 percent of your Equifax Credit Score, for example, is based on your payment history. That means that any late payments – whether on your credit cards, an auto loan, your mortgage, or another credit account – … Read More

The best gift for your Holidays? Keep your credit history in shape!

December 11, 2015By adminBlog

Winter has already hit Canada, and we are approaching the Holidays very quickly.  With Holidays come the purchasing of presents and quite often credit utilization. As credit history is one of several main components of a qualifying for a mortgage, budgeting for the Holidays and, furthermore, not maxing out your credit can avoid negative surprises in … Read More

What Affects Your Credit?

October 7, 2014By adminBlog

Lately I have run into a lot of people who have had some “innocent” issues with their credit. Things that they really had no idea was going to affect them negatively when it comes to buying a house. I thought maybe a little refresher on what will affect your credit would be in order. 1) … Read More