Episode Player
Ep. 32 | How to Build Credit in Canada: Equifax and TransUnion Guide
Plain English Finance
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
More Info Close More Info
Plain English Finance
Ep. 32 | How to Build Credit in Canada: Equifax and TransUnion Guide
Jan 02, 2026
Episode 32
Tre Bynoe
In this episode, Tré breaks down how credit scores work in Canada using best practices given directly from Equifax and TransUnion. Using information straight from Equifax and TransUnion, he explains exactly what goes into your score and how to build it the right way.
Whether you’re starting out or trying to repair your credit, this episode will help you make smarter decisions that lenders actually care about.
What you'll learn:
- The five real factors that impact your credit score (and what doesn’t)
- How to use credit without damaging your score
- What credit utilization actually means—and why 30% matters
- Why obsessing over your score past 750 is a waste of time
- How to build credit early, safely, and effectively
- When giving money can hurt your financial stability
Share this with someone building credit—or struggling with it. And don’t forget to follow or review the show.
