Credit Scores

A credit score looks like one number. Canada has two main credit bureaus, and the report and score each one holds can differ. The steps start with what goes into a score and why the one in your app may not be the one a lender sees, then turn to a new file: starting with nothing, and what a small first limit does.

1. Credit Scores

   Five things build a credit score, and payment history is the largest of them.

   How a score is actually built.

   Video · 9:51

2. Credit Scores

   The score in your app may not be the score a lender sees.

   Why yours looks different everywhere.

   Video · 14:19

3. Credit Scores

   A file with nothing in it is not a bad file.

   Building from zero.

   Video · 11:26

4. Credit Scores

   Your first limit is the issuer’s choice. How much of it you use is yours.

   What a thin file costs.

   Video · 8:39