HOW TO IMPROVE YOUR CREDIT SCORE
- johnathanmcquoid
- Jan 17
- 2 min read
Your credit score is one of the FIRST things lenders look at when you apply for a mortgage, loan, or line of credit.
A strong score can save you thousands — while a weak one can limit your approval options.
Here’s how to strengthen your score the smart way 👇
1️⃣ ALWAYS PAY YOUR BILLS ON TIME
Payment history is the #1 factor in your credit score.
✔️ credit cards
✔️ lines of credit
✔️ loans
✔️ utilities + cell phone bills
Missing even one bill can drop your score quickly.
Protect your history by using reminders or automatic payments.
2️⃣ KEEP YOUR CREDIT USAGE LOW
Lenders look at how much of your available credit you use.
✔️ Stay under 65% of your limit at all times
✔️ Under 30% is even better
✔️ Under 20% gives the strongest scores
High balances can hurt your score even if payments are on time.
3️⃣ AVOID “FREE CREDIT SCORE” APPS
Most of them are trying to:
✔️ sell you loans
✔️ sell your data
✔️ generate marketing calls
Instead, request your credit report directly from:
- Equifax Canada
- TransUnion Canada
These requests do NOT affect your score.
4️⃣ LIMIT HARD INQUIRIES
Every lender that pulls your credit adds a “hard check.”
Too many checks in a short period lowers your score.
This often happens when people go bank-to-bank comparing rates.
5️⃣ USE A MORTGAGE BROKER TO REDUCE MULTIPLE CHECKS
One application with a broker = access to many lenders.
✔️ one credit pull
✔️ protects your score
✔️ expands approval options
✔️ avoids unnecessary inquiries
This is especially helpful when planning for mortgage qualification.
💬 FINAL THOUGHT
Improving your credit score is about consistency and smart habits. Every positive step strengthens your approval chances.
If you want help reviewing your report or planning toward a mortgage approval, message The Frontline Mortgage Group anytime.