Debt & Credit
Understand what's on your credit report, improve your score, and find the right strategy to pay down debt.
Your credit score affects everything from mortgage rates to rental applications. And if you're carrying high-interest debt, every month you wait costs you real money.
Featured Guides
How to Read Your Credit Report
Get your free report from Equifax and TransUnion, understand rating codes, and spot errors that could be dragging down your score.
Best Credit Cards in Canada
Coming soon: cash back, travel rewards, and low-interest cards ranked for different spending habits.
Debt Consolidation in Canada
Coming soon: balance transfers, consolidation loans, and when a consumer proposal makes sense.
How to Improve Your Credit Score
Coming soon: practical steps to raise your score — from fixing errors to building credit history.
Quick Facts
- Your credit score in Canada ranges from 300 to 900 — anything above 660 is "good," above 725 is "very good"
- Credit reports are free — you're legally entitled to one free report per year from both Equifax and TransUnion
- High-interest debt (credit cards at 20%+ APR) should be your #1 priority before investing or saving aggressively
More Resources
- Saving → — Build your emergency fund before tackling debt
- Start Here → — The recommended financial order: budget → emergency fund → debt → invest
- Tools → — Free calculator to plan your debt payoff