{"id":86318,"date":"2024-04-24T12:10:00","date_gmt":"2024-04-24T16:10:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/101-credit-score\/"},"modified":"2025-01-02T09:50:38","modified_gmt":"2025-01-02T14:50:38","slug":"101-credit-score","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/","title":{"rendered":"How Are Credit Scores Calculated in Canada?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column el_class=&#8221;faq&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Many people believe that frequent credit card applications hurt their credit scores. It&#8217;s a myth! The truth is that underwriting is not the only element that makes up your credit score.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>By setting short and medium term goals, see how you can improve your credit rating to take advantage of <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">better credit card offers<\/a>!<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column][vc_custom_heading text=&#8221;Components of the credit score&#8221; css=&#8221;&#8221; el_id=&#8221;components_of_the_credit_score&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The credit score intrigues a lot of people. In fact, there isn&#8217;t much information available on the subject, and most people don&#8217;t really know what they&#8217;re talking about. Here&#8217;s how the credit score works, and the factors that make it up.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>If you prefer the video version, here it is:<\/p>\n<p>[\/vc_column_text][vc_video link=&#8221;https:\/\/youtu.be\/hyw3PS-2WxY&#8221;][\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Punctuality (35%)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_punctuality_35_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>35% of your credit score<\/strong> comes from your <strong>punctuality<\/strong> in settling your balances and monthly payments. In other words, to be seen by your lenders <strong>as a good borrower<\/strong>.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">If you want to increase your credit score, pay off each of your credit card balances in advance, without waiting for the statement to be issued!<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Use (30%)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_use_30_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>30% of your credit score<\/strong> comes from your <strong>monthly use of<\/strong> your various lines of credit with different lenders (mortgage, line of credit, credit cards, etc.).<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For example:<\/p>\n<ul>\n<li>If you use $2,500 of your available credit each month, consisting of a single credit card with a $5,000 limit, then your utilization ratio is 50%.<\/li>\n<li>If you have 2 credit cards with a limit of $5,000 each, and you&#8217;re still using $2,500, then your utilization ratio will drop to 25%.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>It is best to keep the <strong>utilization below 30%<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; History (15%)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_history_15_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>15% of your credit score<\/strong> comes from your <strong>credit history<\/strong> in Canada for all your lines of credit (credit cards, mortgage, line of credit, car loan, student loans, etc.).<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">An average is calculated to establish this score. It is therefore advisable to keep an &#8220;old&#8221; credit card active in order to maintain a good average.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Types of credit (10%)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_types_of_credit_10_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>10% of your credit score<\/strong> comes from <strong>diversifying your types of credit<\/strong> (mortgage, line of credit, credit cards, etc.).<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Lenders are reassured when you demonstrate the strict management of your finances. The more different types of credit you have (and repay in full every month!), the better your credit score will be.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; New applications (10%)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_new_applications_10_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>10% of your credit score<\/strong> comes from new credit applications (credit cards, personal loans, etc.). Every time you make a request, your credit will be affected and lose a few points.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>These points are generally recovered within a few months<\/strong> if you respect the above instructions (notably punctuality and the ratio of use).<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Building a credit file&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_building_a_credit_file&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>If you&#8217;re just starting out in the hunt for travel rewards or cash back, and your credit history is very recent, we recommend that you start with a <a target=\"_blank\" href=\"\/?p=123149\">no-annual-fee credit card<\/a> and <strong>keep it keep as possible<\/strong>. There are more than a dozen (see this article: <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\">The best no-annual-fee credit cards<\/a>).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207264\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Keeping a credit card for many years allows you to maintain a good <strong>credit history <\/strong>(i.e. 15% of your credit score).<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Here are several credit cards with no annual fee, from different financial institutions, with a view to keeping it year after year to maintain a long credit history:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687,22674,22649,22697,22740\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Credit agencies&#039; choice of issuers&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_credit_agencies_039_choice_of_issuers&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">You can check your credit file with the two major credit bureaus. By the way, here are two articles to help you read your credit report:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-transunion\/\">TransUnion Canada<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">Equifax Canada<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Each of these two credit bureaus offers its own score. Don&#8217;t try to compare them, it will always be different. Generally speaking, Equifax&#8217;s score will be lower than TransUnion&#8217;s. This means that the recipes for calculating your score are different!<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Be aware that credit card issuers consult one or other of these agencies when you apply for your card. Afterwards, your new account will be reported to both bureaus.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"height: 268px; width: 100%;\">\n<thead>\n<tr>\n<td style=\"width: 172px; text-align: center;\"><strong>Equifax<\/strong><\/td>\n<td style=\"width: 199px; text-align: center;\"><strong>Transunion<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 172px; text-align: center;\">National Bank<\/td>\n<td style=\"height: 24px; width: 199px; text-align: center;\">American Express<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 172px; text-align: center;\">President&#8217;s Choice<\/td>\n<td style=\"height: 24px; width: 199px; text-align: center;\">Scotiabank<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 172px; text-align: center;\">CIBC<\/td>\n<td style=\"height: 24px; width: 199px; text-align: center;\">Canadian Tire<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 172px; text-align: center;\">Desjardins<\/td>\n<td style=\"width: 199px; text-align: center;\">MBNA<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 172px; text-align: center;\">TD<\/td>\n<td style=\"height: 24px; width: 199px; text-align: center;\">RBC<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 172px; text-align: center;\"> <\/td>\n<td style=\"height: 24px; width: 199px; text-align: center;\">Rogers<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 172px; text-align: center;\"> <\/td>\n<td style=\"height: 24px; width: 199px; text-align: center;\">Tangerine<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><em>*American Express and MBNA can consult both, although they generally prefer TransUnion.<\/em><\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"134431,63994\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Improving your credit score&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_improving_your_credit_score&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Here are a few tips for building and improving your credit rating:<\/p>\n<ul>\n<li>Meet your monthly payments to the letter (<strong>35% of your credit score<\/strong>)<\/li>\n<li>Stay away from credit card limits (<strong>30% of your credit score<\/strong>)<\/li>\n<li>Frequently pay your balance before the credit card statement to boost your credit score<\/li>\n<li>Keep credit lines open as long as possible, thanks to no-annual-fee credit cards<strong>(15% of your credit score)<\/strong>.<\/li>\n<li>Pay off your debts, if any<\/li>\n<li>Don&#8217;t apply for new credit cards before a mortgage appointment<\/li>\n<li>Don&#8217;t ask for superfluous cards (especially those from department stores or those that don&#8217;t give you a real advantage).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message icon_fontawesome=&#8221;fas fa-folder-open&#8221; css=&#8221;&#8221;]<\/p>\n<p><strong>Tips <\/strong>: For more information on these tips, we invite you to read this comprehensive article: &#8220;<a title=\"Credit score: How can I improve my credit score?\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/improve-your-credit-score\/\">How to improve your credit score<\/a>&#8220;.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit score &#8211; Repair your credit file&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_-_repair_your_credit_file&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>If you have outstanding balances and want to <strong>repair your credit record<\/strong>, there are several strategies you can take.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>First of all, you need to find a way to pay off your debts as quickly as possible. To achieve this, you can take out a credit card offering a <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/transfer\/\">balance transfer<\/a> with a zero or reduced interest rate. Then transfer your outstanding balances to it, and respect the deadlines to the letter. To learn more about balance transfers, consult this guide: &#8220;<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/credit-card-balance-transfer\/\">How does a credit card balance transfer work?<\/a>&#8220;<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130591\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Then, to improve your credit rating, you need to respect the criteria and follow the tips explained in the previous section.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To increase your credit rating more quickly, you may want to consider <a title=\"KOHO\" href=\"https:\/\/milesopedia.com\/en\/go\/koho\/\" rel=\"noindex\">KOHO<\/a>&#8216;s Credit Building option. To find out more about this solution, consult this guide: &#8220;<a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/koho-mastercard-prepaid-card-offer\/#carte_koho_pr_pay_e_mastercard_-_am_lioration_du_cr_dit_koho_credit_building\">Credit Enhancement \/ KOHO Credit Building<\/a>&#8220;.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117070\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Finally, you could use credit monitoring services such as Equifax (for a monthly fee). For more information, visit the <a title=\"Equifax\" href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a> website.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>How are credit scores calculated in Canada by Equifax and TransUnion? 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