The Canadian Credit Building Playbook

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What this is

What actually moves a Canadian credit score, in what order, and how long each move takes to show up. Written for the three situations people are really in: no credit history at all, a thin file that keeps getting declined, and a file with damage on it.

What is inside

How Equifax and TransUnion each weigh the same file, and why your two scores differ
The five inputs that move a score, ranked by how much they actually matter
No file: the first two products to open and the order to open them in
Thin file: why you are being declined at 700 and how to fix the utilisation ratio
Damaged file: collections, what is negotiable, and what simply has to age off
Utilisation timing: the reporting date trick that changes your score without changing your spending
How to pull both reports for free, and how to file a dispute that gets actioned
A twelve month schedule with the expected score movement at each checkpoint

Who it is for

Newcomers, students, anyone rebuilding, and anyone who has been told to just pay on time and wait.

Who it is not for

Anyone hoping to erase accurate negative information. That is not a thing, and anyone selling it is selling a fraud.

Read some of it first

There is no sample extract posted yet, so instead of pretending otherwise, here is Bremo writing on exactly this subject, free and complete. Judge the writing before you spend anything.