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How credit reports work
A credit report is a detailed record of your credit history, serving as a critical tool for lenders, landlords, and others to assess your financial reliability. It influences your ability to secure loans, credit cards, housing, and even employment. Understanding how credit reports work is essential for managing your financial health and ensuring accuracy in the information that shapes your creditworthiness. This article explains the structure, purpose, and management of credit reports, along with practical steps to leverage them effectively in 2025.
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All articlesHow credit reports work
A credit report is a detailed record of your credit history, serving as a critical tool for lenders, landlords, and others to assess your financial reliability. It influences your ability to secure loans, credit cards, housing, and even employment. Understanding how credit reports work is essential for managing your financial health and ensuring accuracy in the information that shapes your creditworthiness. This article explains the structure, purpose, and management of credit reports, along with practical steps to leverage them effectively in 2025.
More Canadians now qualify for credit cards with flexible approval
In 2025, access to credit cards in Canada has become more inclusive, with issuers offering flexible approval processes that cater to a broader range of financial profiles. These changes are driven by innovations in fintech, relaxed eligibility criteria, and a growing emphasis on financial inclusion for students, newcomers, and those with limited or poor credit histories. This article explores the trend of flexible approval credit cards, the types of cards available, their benefits, and tips for choosing the right one.
Exclusive Rewards Program
Exclusive rewards programs have become a powerful tool for brands to foster customer loyalty, offering premium perks for everyday spending, travel, dining, and more. In 2025, these programs are evolving with enhanced cashback, points, and unique experiences tailored to diverse consumer needs. From credit card issuers to retailers and fintech platforms, exclusive rewards programs are designed to maximize value and engagement. This article explores the latest trends in exclusive rewards programs, their benefits, key examples, and tips to make the most of them.
Common credit myths debunked
Credit myths can mislead consumers, leading to poor financial decisions. This article debunks common misconceptions about credit scores, reports, and management. Understanding the truth helps you navigate credit confidently.
Simple Tips to Improve Your Credit Score and Financial Health
A strong credit score is a cornerstone of financial health, opening doors to better loan terms, lower interest rates, and opportunities like renting or securing utilities. Typically ranging from 300 to 850, your credit score reflects your creditworthiness based on factors like payment history and debt levels. Improving your score and overall financial health doesn’t require complex strategies—small, consistent actions can yield significant results. This article shares simple, actionable tips to boost your credit score and strengthen your financial foundation in 2025.
Exclusive Cashback Rewards Launched for Everyday Purchases and Bill Payments
In 2025, financial institutions and payment platforms are rolling out innovative cashback rewards programs to incentivize everyday spending and bill payments. These exclusive offers aim to help consumers save money on routine purchases like groceries, dining, fuel, and utility bills while fostering loyalty to specific cards or apps. This article explores the latest cashback rewards programs, their benefits, how they work, and tips to maximize savings.
Credit Basics
All articlesCommon credit myths debunked
Credit myths can mislead consumers, leading to poor financial decisions. This article debunks common misconceptions about credit scores, reports, and management. Understanding the truth helps you navigate credit confidently.
Best ways to improve credit
Building a strong credit score is key to financial success, but it requires smart strategies. This article outlines the best ways to improve your credit, from timely payments to monitoring reports. Follow these steps to boost your score and secure better financial opportunities.
How credit scores are calculated
Understanding how credit scores are calculated can help you improve your financial health. The FICO Score, the most widely used model, evaluates factors like payment history, credit utilization, and length of credit history. By managing these elements wisely, you can boost your score and secure better loan terms.
Rewards
All articlesMore Canadians now qualify for credit cards with flexible approval
In 2025, access to credit cards in Canada has become more inclusive, with issuers offering flexible approval processes that cater to a broader range of financial profiles. These changes are driven by innovations in fintech, relaxed eligibility criteria, and a growing emphasis on financial inclusion for students, newcomers, and those with limited or poor credit histories. This article explores the trend of flexible approval credit cards, the types of cards available, their benefits, and tips for choosing the right one.
Exclusive Rewards Program
Exclusive rewards programs have become a powerful tool for brands to foster customer loyalty, offering premium perks for everyday spending, travel, dining, and more. In 2025, these programs are evolving with enhanced cashback, points, and unique experiences tailored to diverse consumer needs. From credit card issuers to retailers and fintech platforms, exclusive rewards programs are designed to maximize value and engagement. This article explores the latest trends in exclusive rewards programs, their benefits, key examples, and tips to make the most of them.
New Credit Card Features
Credit cards are evolving with cutting-edge features to enhance user experience. From AI-driven payments to eco-friendly rewards, these innovations offer convenience and security. Explore the latest advancements shaping the future of spending.
How credit scores are calculated
Your credit score is calculated using five key factors: payment history, amounts owed, length of credit history, credit mix, and new credit. Payment history and credit utilization have the biggest impact. Understanding these components helps you make smarter financial decisions and improve your creditworthiness.
Building credit
All articlesMore Canadians now qualify for credit cards with flexible approval
In 2025, access to credit cards in Canada has become more inclusive, with issuers offering flexible approval processes that cater to a broader range of financial profiles. These changes are driven by innovations in fintech, relaxed eligibility criteria, and a growing emphasis on financial inclusion for students, newcomers, and those with limited or poor credit histories. This article explores the trend of flexible approval credit cards, the types of cards available, their benefits, and tips for choosing the right one.
Simple Tips to Improve Your Credit Score and Financial Health
Exclusive Cashback Rewards Launched for Everyday Purchases and Bill Payments
Best ways to improve credit
Managing debt
All articlesCommon credit myths debunked
Credit myths can mislead consumers, leading to poor financial decisions. This article debunks common misconceptions about credit scores, reports, and management. Understanding the truth helps you navigate credit confidently.
How Credit Affects Loans
Your credit plays a pivotal role in determining your ability to secure loans, the terms you’re offered, and the overall cost of borrowing. Whether you’re applying for a mortgage, auto loan, personal loan, or student loan, lenders rely on your credit profile to assess risk. This article explores how credit influences loans, including approval chances, interest rates, loan terms, and strategies to improve your credit for better loan outcomes.
How to fix bad credit
Bad credit, typically defined as a credit score below 600, can limit access to loans, increase interest rates, and affect opportunities like renting or employment. It often results from late payments, high debt, or negative marks like collections or bankruptcies. Repairing bad credit takes time and discipline, but with consistent effort, you can improve your score and financial standing. This article outlines practical steps to fix bad credit and rebuild your financial health.
Credit Cards That Build Credit
Building a strong credit score is essential for financial health, enabling access to loans, mortgages, and favorable interest rates. For individuals with limited or poor credit history, certain credit cards are designed to help establish or rebuild credit. This article explores how credit cards can build credit, the types of cards available, and best practices for using them effectively.
View legal footnotes
1 Earna Credit Cards does not have annual fees paid upfront, instead, to help you manage your finances, you will only need to pay monthly fees included on your monthly statement.
2 Individual cases may vary. Please contact our Support Team if you experience difficulties.
3 Earna reports your payment activity to one or more credit bureaus to help establish your credit history. Credit scores are calculated using complex models that consider multiple factors. Making on-time payments regularly can help improve credit scores, while missed or late payments can lower them. Individual results may vary.
4 Approval is not guaranteed and terms and conditions apply.
5 Refer to Earna Rewards Policy for details on earning cashback. Other terms and conditions may apply, find the complete policy here.
6 Credit limit increases are subject to eligibility and require the account holder’s express consent. Terms and conditions apply.
7 Eligible interest rates may decrease by up to 1% annually for accounts in good standing, subject to a set minimum and other eligibility criteria. Not all rates are eligible. Terms and conditions apply.