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For the longest time, I couldn’t figure out why my credit score wasn’t moving. I was paying my bills… I wasn’t overspending… and still, nothing changed. It wasn’t until I understood how the Canadian credit system actually works that things started improving — fast. Here are the exact mistakes that kept me stuck, and what finally helped me break out of it: 1️⃣ I didn’t track my utilization properly I thought “paying it off monthly” was enough. It’s not. Your utilization at statement date matters
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