Credit GPSWe write about what's actually documented in the bureaus, what we observe in real beta-user files, and what we're learning as we build for the 1.3 million Canadians who arrived without a Canadian credit history.
Most newcomer guides start at year five. This one starts the week you land, and gets specific about which cards, which limits, and which payment-date moves actually compound.
Read it →Pay before your statement closes — not after the bill arrives. The bureau reads a low balance. Same money, very different file.
Direct translation loses the meaning. Cultural anchors don't always map. Here's what we learned shipping the first Gurmukhi-script intake form in Canadian fintech.
A secured card is a tool, not a stepping stone. We unpack when it's the right move and when it just costs you a deposit.
Late payments, collections, consumer proposals — how long they stay, how fast their influence decays, and what to do during the wait.
Flinks, Plaid, and the bank's own ledger. NSFs in the last 90 days. Buy-now-pay-later stacking. The other half of the file your score alone doesn't show.
If you serve Quebec, you write in French — natively, not translated. Why that's a brand promise, not a checkbox.
One email a week, never more. Same voice as the product — math first, no hype.