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Is Your Credit Score Keeping you from Owning a Home?

Improving your credit score in Canada is definitely achievable. Remember the rule of 3. 3 credit lines, for 3 years, 30 percent below balance. Share this will someone who is about to turn 19, new to the country, or has had a bump in the road with divorce, job or health challenges.

Here are some helpful tips to get started:

  1. Make it a priority to pay your bills on time. This is crucial in maintaining a good credit score, and it’s one of the easiest things you can do to improve it.

  2. Use your credit wisely and try to keep your balances low. This will show lenders that you’re a responsible borrower and it can help boost your credit score.

  3. Keep an eye on your credit report to ensure it’s accurate and up-to-date. You’re entitled to a free credit report from Equifax and TransUnion in Canada, so take advantage of this and review your report regularly.

  4. Be selective when applying for new credit. Too many applications in a short period of time can lower your credit score, so try to only apply for credit when you really need it.

  5. It’s a good idea to keep your credit accounts open, especially the ones you’ve had for a while. This can show lenders that you have a history of responsible credit use and can help improve your credit score over time.

  6. If you need extra help or guidance, don’t hesitate to reach out to a credit counsellor or financial advisor. They can provide you with tailored advice and support to help you achieve your financial goals. We can help with all the proper introductions email us at

Remember, improving your credit score takes time and effort, but it’s definitely worth it in the long run. With a positive attitude and a little bit of hard work, you can improve your credit score and achieve your financial dreams!


Angela Calla is an 18-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code, Angela educates prospective home buyers by providing vital information on mortgages.

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her the 2020 Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please get in touch with Angela at or at 604-802-3983.

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