Credit Checks

Introduced by Capital One Canada in 2017, Credit Keeper is an online tool that provides Canadians with a free way to check their credit score. Functioning under the broader umbrella of Capital One’s Credit Monitoring Service, this tool offers an insightful and convenient means for users to gain insights into their credit activities and overall […]

A balance transfer credit card can reduce your debt by eliminating additional interest charges from the equation. But it can have a not-so-great effect on your credit score if you’re not careful. So you have to be cautious and do your research before transferring any balances that may affect your credit. And of course, always […]

If you’re apartment hunting, potential landlords will run a rental credit check on you to ensure that you will make your rent payments on time. As a tenant, you may have some questions about what’s on your credit report and how to optimize your credit score to stand out in a competitive rental market. This […]

Soft credit checks play a crucial role in the financial landscape of Canada. Whether you’re applying for a loan, renting an apartment, or even opening a new bank account, understanding the ins and outs of soft credit checks can positively impact your financial future. In this comprehensive guide, we’ll explore everything you need to know […]

Have you ever wondered why lenders suddenly want to know everything about your financial history when you apply for credit? It all boils down to one thing – a hard credit check. In the world of Canadian credit, understanding the ins and outs of hard credit checks is essential. In this ultimate guide, we will […]

Hey, Canucks! Did you know the subtle difference between a soft vs hard credit check is crucial if you want a good credit score? That’s because the way someone accesses your credit file can actually lower your score. Yikes! You need to watch out for that because your credit score is your passport to better […]

Thinking of increasing your purchasing power with credit? You may wonder whether applying for a credit card affects your credit score. Requesting a new a credit card will, indeed, affect your credit report. This happens because a new credit card application triggers a hard check placed on your credit report. This slightly lowers your credit […]