YourCreditReport.ca: credit reports, credit cards, fixing your credit and personal bankruptcy in Canada

A credit score is a mathematical model consisting of numerous variables used to estimate one’s credit risk. The most commonly used model is called FICO ® (named after its creator, the Fair Isaac Company).

Your FICO ® credit score is used to evaluate your creditworthiness by giving you a certain amount of points based on the [...]

Most people know that our credit reports have a lot of information about our borrowing history. How credit worthy we are — how likely we are to pay off our debts (on time or not) — is also looked at as an indicator of how people are likely to behave in other areas. Employers rely [...]