10 Myths About Credit: Credit Score

Myth: If you have a good credit score you should have no problem obtaining additional credit. Reality: Although having a good credit score can go a long way, it is not the be all and end all for obtaining additional credit. A credit score is basically a number that is determined by using super complicated algorithms that look at your credit activity. Much of this credit activity can also be […]

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10 Myths About Credit: Credit Report

Myth: You are only allowed one free credit report of yourself mailed to you a year in Canada from Equifax and Trans Union. Reality: You are actually allowed as many free credit reports on yourself mailed to you as you would like. You of course have to fill out some personal information and provide government issued photo copies of yourself, but that’s about it. If you think they are going […]

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Why we still rent…

Ever since my husband and I became debt free our friends and family have been asking us when we are going to buy a house. It is a fair question as most people our age are getting married, buying houses and making babies. The truthful answer to this is… I am in no rush. After grinding away for 2.5 years to pay off $120,000 of debt, the last thing on […]

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