Knowing your credit history is an important part of managing your debt. It is important that you get your free credit report once a year to check for any errors. The information on this page will help you: Get free copies of your credit reports Understand what’s included in your credit...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. Web resources for credit reporting in Canada. To view full Financial Literacy Facilitator Resources, click...

The House of Commons Finance Committee recently released its call for pre-budget consultation briefs as the government considers its policy priorities for the 2021 federal budget. This toolkit created by Imagine Canada provides information on the reasons to submit a pre-budget consultation...

Benefits and credits provide income and financial support for many individuals. This toolkit contains information on common tax credits and benefits, benefits for specific populations, and practitioner resources including case studies and information on identification documentation for accessing...

Answer the questions in this Government of Canada online tool to get a customized list of benefits for which you may be eligible. The Benefits Finder may suggest benefits from federal, provincial or territorial...

This is a detailed guide from the FCAC on how to read your credit report and understand your credit score. Building a good credit history is important for your financial health. Along with millions of other Canadians, you have a credit history that is kept on file by companies called credit...

You have the right to see your own credit report. And there are ways you can order it for free. It is a record of your past and present use of credit cards and loans. Mobile phone and Internet accounts may also be included, even though they are not credit accounts. It includes details about your...

This tool from the Financial Consumer Agency of Canada will help you compare different payment options to pay off your credit card balance. statement. If you can't, you can still reduce the amount of interest you will have to pay. The credit card payment calculator compares 3 different payment...

Your credit report is important for your financial health. It can help you get approved for credit cards and other loans. It can also affect your ability to rent housing or get hired for a job. Protect your credit report by checking carefully for errors and signs of identity theft. You have the...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. Glossary of terms for credit reporting. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. Ways to improve your credit score. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. How to correct common errors on credit reports. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. A credit score is a score between 300 and 900 that credit bureaus use to rate the information in your credit report. Credit bureaus use a mathematical formula based on many factors to arrive at your credit score. To...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. The information in an Equifax credit report varies slightly from a TransUnion credit report, but both contain the same basic sections. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. A sample of a credit report received from Equifax. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 7 of the Financial Literacy Facilitator Resources. Credit bureaus summarize your credit use in a report. The credit report is one of the main things lenders look at when they decide whether or not to give you credit. A credit report contains your history of credit...

This activity sheet is from Module 7 of the Financial Literacy Facilitator Resources. Credit score scenarios to practice learning. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 6 of the Financial Literacy Facilitator Resources. The features of credit cards and what they mean. To view full Financial Literacy Facilitator Resources, click...

This handout is from Module 6 of the Financial Literacy Facilitator Resources. The different types of credit and their lending conditions. To view full Financial Literacy Facilitator Resources, click...

In this toolkit you'll find materials to help you learn about what's involved in tax filing, and some materials to support setting up your own community tax clinic.  Added on September 14, 2020: Getting government payments by direct deposit Recevoir des paiements du gouvernement par dépôt...

Disability supports should be designed to provide benefit and not burdens to eligible recipients. Unfortunately, this is not a reality when it comes to one of the main benefits open to Canadians with disability: the federal Disability Tax Credit (DTC). Designed to recognize some of the higher...

This educational brief from CLEO explains what a credit report is, and what to do if you want to fix your credit report or work with a credit repair...

The Disability Tax Credit helps Canadians by reducing the amount of income tax they are required to pay. The Registered Disability Savings Plan helps people with a disability or their caregiver save for the future by putting money into a fund that grows tax free until the beneficiary makes a...

Americans rely on credit and savings to weather financial shocks and build a better future, but for the financially struggling these tools are often unavailable when they need them. To better understand the intersection between savings and credit for consumers, Visa partnered with CFSI on...

When the government establishes a social program whose primary purpose is to help provide support to low-income people with disabilities, its success should be measured on how well it achieves that purpose. Unfortunately, there are reasons to seriously question the usefulness of Canada’s...