A first map of Canadian credit

This article is general educational information for a Canadian audience. It is not individualized financial, legal, credit or tax advice.

Credit systems compress several kinds of information into a signal used by lenders. The important part is understanding the behaviours represented, rather than chasing a mysterious score.

Consistent on-time payments, how much revolving credit is in use and the age and mix of accounts can all matter. Different lenders may interpret the same file differently.

Review your own report for accuracy and focus on habits you can sustain. Debt Decoded Canada provides education, not a promise of approval or a particular score change.