Credit & Planning
A clear plan from where you are to where you want to be. No guesswork, a specific sequence of steps that actually moves the needle.
How Scores Are Built
The single biggest factor. Every on-time payment helps. Every missed payment hurts. Recent misses hurt more than old ones.
How much of your available credit you're using. Stay below 30% of each card's limit. Below 10% is ideal.
Older accounts help. Don't close old credit cards you aren't using. The age of those accounts matters.
Every hard credit pull temporarily lowers your score. Avoid applying for new credit in the 6–12 months before a mortgage application.
Having both revolving credit (cards) and installment credit (car loans, lines of credit) helps your score modestly.
Practical Guidance
Realistic Timeline
Meaningful improvement takes 6–24 months depending on where you start. A score of 580 can reach 650 within 12 months if you address the right factors consistently.
Collections and consumer proposals stay on your report for 6–7 years, but their impact diminishes over time, especially once they're marked satisfied. Newer lenders weight recent behaviour much more than old history.
Kyle will pull and review your credit report with you, identify which items to address first, and give you a specific sequence rather than generic advice. The plan is different for everyone, and that's the point.
If you qualify for a B lender mortgage today, we can discuss whether it makes sense to move now or wait 12 months for A lender rates. Sometimes acting now and refinancing later is the smarter path.
Get Started
Not sure if this applies to your situation? One call usually gives you a clear answer.
