{"id":166,"date":"2023-12-07T09:00:31","date_gmt":"2023-12-07T17:00:31","guid":{"rendered":"https:\/\/www.speedycash.ca\/5-ways-to-improve-your-credit-score\/"},"modified":"2025-12-11T15:22:04","modified_gmt":"2025-12-11T15:22:04","slug":"5-ways-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/","title":{"rendered":"5 Ways to Improve Your Credit Score"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--60);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-columns are-vertically-aligned-top l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:63%\"><div class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.speedycash.ca\/blog\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\n<h1 style=\"margin-top:var(--wp--preset--spacing--40);\" class=\"t-display-large wp-block-post-title\">5 Ways to Improve Your Credit Score<\/h1>\n\n<div style=\"text-transform:uppercase; margin-top:var(--wp--preset--spacing--40);\" class=\"t-date wp-block-post-date\"><time datetime=\"2023-12-07T09:00:31+00:00\">December, 2023<\/time><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:37%\"><figure style=\"aspect-ratio:4\/3; margin-top:0;margin-bottom:0;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"876\" height=\"460\" src=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png?w=876\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A young couple reviewing financial documents and calculator on sofa, highlighting 5 ways to improve your credit score.\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png 876w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png?resize=300,158 300w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png?resize=768,403 768w\" sizes=\"auto, (max-width: 876px) 100vw, 876px\" \/><\/figure><\/div>\n<\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body l-container has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide l-container\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n<p><span class=\"TextRun SCXW212507632 BCX0\" lang=\"EN-CA\" xml:lang=\"EN-CA\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW212507632 BCX0\">Your credit score<\/span> <span class=\"NormalTextRun SCXW212507632 BCX0\">holds incredible power over your financial life. The higher it is, the better your financial health. It influences your ability to secure loans, obtain better interest rates, and even impact your housing and employment prospects. At times, life circumstances may make your credit score lower than you like, but there are things you can do to turn it around.<\/span> <\/span><\/p>\n\n\n\n<p>Improving your <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/credit-score\/\">credit score<\/a> does not happen overnight, but small changes in the way you manage money can make a real difference over time. <span class=\"TextRun SCXW212507632 BCX0\" lang=\"EN-CA\" xml:lang=\"EN-CA\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW212507632 BCX0\">Let\u2019s<\/span> <span class=\"NormalTextRun SCXW212507632 BCX0\">learn some practical steps you can take to boost your credit score and open doors to a brighter financial future.<\/span>\u00a0<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-check-your-credit-report-0\">Check Your Credit Report<\/h2>\n\n\n\n<p><span data-contrast=\"auto\">Regularly reviewing your <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/credit-report\/\">credit report<\/a> is like giving your <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/personal-finance\/\">personal finances<\/a> a check-up. It helps you catch issues early and ensures your credit score reflects your financial situation. Did you know you\u2019re entitled to a free credit report from each of the two major credit bureaus (<a href=\"https:\/\/www.equifax.ca\/personal\/\">Equifax<\/a> and <a href=\"https:\/\/www.transunion.ca\/\">TransUnion<\/a>) every year? This means you can check your credit report for free twice annually.\u00a0<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">Your credit report may seem like a jungle of numbers and codes, but it\u2019s worth deciphering. Look for:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"auto\">Personal Information: Ensure your name, address, and other details are correct.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Accounts: Check if all your credit accounts are listed.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Payment History: Verify that your payment history accurately reflects your payments, including on-time and late payments.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Inquiries: Keep an eye on who has accessed your credit report. Too many inquiries in a short time can lower your score.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Negative Information: Identify any negative information like collections, bankruptcies, or late payments.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Public Records: Look for public records, such as tax liens or judgments.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"auto\">Mistakes can happen, and they can negatively affect your credit score. If you spot errors, act immediately. Dispute them with the credit bureau reporting the mistake. They are legally obligated to investigate and correct any inaccuracies.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<p>Make a habit of reviewing your report every few months so you can catch mistakes early.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-make-payments-on-time\">Make Payments on Time<\/h3>\n\n\n\n<p><span data-contrast=\"auto\">Your payment history is one of the things that lenders look at when you are trying to apply for a loan or mortgage. Consistently making payments on time demonstrates that you will likely make loan payments on time. Here are a few strategies to help make payments on time:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"auto\">Use your smartphone, calendar apps, or payment reminder services to alert you about upcoming due dates. This simple step can help you avoid missing payments.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Consider setting up automatic payments for your bills and loans. This way, the minimum required payment is deducted from your account on the due date, reducing the risk of late payments.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Plan your payment schedule around your <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/gross-income\/\">income.<\/a> Ensure you have sufficient funds to cover all your bills on time.\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Many<a href=\"https:\/\/www.speedycash.ca\/resources\/\"> banks offer online banking<\/a> with bill payment services. Take advantage of these tools to schedule and track your payments easily.\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"auto\">While making the minimum payment is better than missing a payment altogether, it\u2019s essential to understand that it won\u2019t help you <a href=\"https:\/\/www.speedycash.ca\/blog\/managing-debt-strategies-for-those-struggling-financially\/\">pay off your debt quickly.<\/a> Credit cards can trap you in a cycle of debt if you only make minimum payments because you\u2019ll continue to accrue interest. Whenever possible, aim to pay more than the minimum amount due. This reduces your outstanding balance faster and saves you money on interest charges.\u00a0<\/span><\/p>\n\n\n\n<p>If you struggle to remember due dates, write down all your bills in one place so you can see what is coming up each paycheque.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reduce-credit-card-balances\">Reduce Credit Card Balances<\/h3>\n\n\n\n<p><span data-contrast=\"auto\">Credit card balances can be a double-edged sword when it comes to your credit score. While they offer financial flexibility, high balances relative to your credit limit can harm your credit score. Here\u2019s how to get your credit card balances in check:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"auto\">If you have multiple <a href=\"https:\/\/www.speedycash.ca\/blog\/using-credit-cards-wisely\/\">credit cards<\/a>, start by paying off those with the highest interest rates first. This saves you money in the long run.\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Set a monthly budget that allocates a significant portion of your income to paying down credit card debt. Stick to this plan consistently.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Whenever you can, make extra payments on your credit cards. This reduces your outstanding balance and saves you money on interest.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Consider transferring high-interest credit card debt to a card with a lower interest rate or a promotional 0% <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/annual-percentage-rate\/\">APR<\/a> period. Be cautious of balance transfer fees and ensure you can pay off the balance before the promotional period ends.\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">While you\u2019re working to pay down your credit card balances, try to avoid making new charges on these cards. This will prevent your balances from increasing.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"auto\">Credit card issuers typically require a minimum payment each month. While making this minimum payment is crucial to avoid late fees and penalties, it may not significantly reduce your outstanding balance due to interest charges. Paying only the minimum keeps you in <a href=\"https:\/\/www.speedycash.ca\/resources\/wiki\/debt\/\">debt<\/a> longer and costs you more in interest. Aim to pay more than the minimum to make real progress toward reducing your credit card balances whenever possible.\u00a0<\/span><\/p>\n\n\n\n<p>Try to keep your balances low compared to your credit limits. Even small payments help you lower what you owe over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lengthen-your-credit-history\">Lengthen Your Credit History<\/h3>\n\n\n\n<p><span data-contrast=\"auto\">Your credit history\u2019s length is like a financial resume that lenders use to gauge your creditworthiness. Your credit history length considers the age of your oldest credit account, the average age of all your accounts, and the age of your newest account. Lenders often view a longer credit history as a positive sign of financial stability.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">Keep your oldest credit accounts open and active, as they contribute positively to your credit history. Closing them can shorten your credit history, which may lower your credit score. If you have older credit cards you don\u2019t frequently use, consider making occasional small purchases and paying them off promptly to keep the accounts active.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<p>Avoid closing old accounts that are in good standing. Leaving them open can help your credit history look stronger.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-be-cautious-with-new-credit-inquiries\">Be Cautious with New Credit Inquiries<\/h3>\n\n\n\n<p><span data-contrast=\"auto\">Every time you apply for credit, whether for a credit card, loan, or mortgage, a credit inquiry is generated. These inquiries are listed on your credit report and can impact your credit score. Credit inquiries, also known as \u201chard inquiries,\u201d can cause a temporary dip in your credit score. While a single inquiry may not significantly impact your credit score, multiple inquiries over a short period can raise concerns for lenders and negatively affect your credit score. Being mindful of when and how you apply for new credit can help protect and improve your credit score.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"auto\">Avoid applying for multiple credit accounts within a short timeframe. Instead, plan your credit applications strategically and only apply for credit when necessary.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">When seeking a specific type of credit, such as a mortgage or auto loan, multiple inquiries within a short window (typically 14-45 days, depending on the scoring model) for the same purpose are often grouped as one inquiry. This allows you to shop for the best rates without harming your credit score significantly.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Don\u2019t apply for credit you don\u2019t genuinely need. Opening new accounts on a whim can lead to unnecessary inquiries and potentially lower your score.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">Different types of credit inquiries may impact your score differently. For example, inquiries related to credit applications can have a more significant effect than inquiries related to account reviews by existing creditors (known as \u201csoft inquiries\u201d).\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p>Only apply for new credit when you truly need it. Spacing out applications can help protect your score.<\/p>\n\n\n\n<p><span data-contrast=\"auto\">Responsible credit management includes not only how you use credit but also how you apply for it. By being cautious and strategic about new credit inquiries, you can minimize the potential impact on your credit score.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">When you find yourself in a time of need, or your credit score isn\u2019t where you want it, Speedy Cash is here to help!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">&nbsp;<\/span><\/p>\n\n\n\n<p>If you are working to improve your credit and need short-term help with an unexpected cost, Speedy Cash is here to support you. Start with exploring how our<a href=\"https:\/\/www.speedycash.ca\/services\/payday-loans\/\"> payday loans<\/a> can help or visit our main <a href=\"https:\/\/www.speedycash.ca\/services\/\">Cash Services page<\/a> to see all that Speedy Cash offers.<\/p>\n<\/div>\n\n\n\n<footer class=\"wp-block-group p-post-single-footer has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<div class=\"wp-block-group p-explore-by-topic is-layout-flex wp-block-group-is-layout-flex\">\n<p class=\"is-style-body-small\" style=\"margin-top:0\"><strong>Related Topics:<\/strong><\/p>\n\n\n<\/div>\n<\/footer>\n<\/article>\n\n\n\n<section class=\"wp-block-group alignfull p-post-single-related is-style-theme-light-muted has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns l-container p-post-single-related__header is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\" id=\"h-explore-related-posts\" style=\"margin-top:0\">Explore Related Posts<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-d7d8c720 wp-block-buttons-is-layout-flex\" style=\"margin-top:0\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.speedycash.ca\/blog\/\">Visit Our Blog<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group p-post-single-related__query l-container is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-query is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"columns-2 wp-block-post-template is-layout-grid wp-container-core-post-template-is-layout-17361a50 wp-block-post-template-is-layout-grid\"><li class=\"wp-block-post post-2988 post type-post status-publish format-standard has-post-thumbnail hentry category-budgeting category-financial-tips tag-emergency-fund tag-payday-loans tag-quick-loans tag-short-term-loans\">\n\n<article class=\"wp-block-group p-post-popular is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group p-post-popular__inner is-layout-flow wp-block-group-is-layout-flow\"><figure style=\"aspect-ratio:1;\" class=\"p-post-popular__media wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"540\" src=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Canadian checking CRA My Account on laptop while reviewing tax documents and budget spreadsheet during tax season\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg 6554w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg?resize=300,158 300w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg?resize=768,405 768w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg?resize=1024,540 1024w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg?resize=1536,810 1536w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2579692209.jpg?resize=2048,1080 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n<div class=\"wp-block-group p-post-popular__content is-layout-flow wp-block-group-is-layout-flow\"><div style=\"margin-top:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.speedycash.ca\/blog\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div>\n\n<h2 style=\"margin-top:var(--wp--preset--spacing--20);\" class=\"t-display-x-small wp-block-post-title\">Tax Time Cash Flow: How to Budget Until Your CRA Refund Arrives<\/h2><\/div>\n<\/div>\n\n\n<a class=\"a-link-cover wp-block-read-more\" href=\"https:\/\/www.speedycash.ca\/blog\/how-to-budget-until-your-cra-refund-arrives\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: Tax Time Cash Flow: How to Budget Until Your CRA Refund Arrives<\/span><\/a><\/article>\n\n<\/li><li class=\"wp-block-post post-242 post type-post status-publish format-standard has-post-thumbnail hentry category-loans\">\n\n<article class=\"wp-block-group p-post-popular is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group p-post-popular__inner is-layout-flow wp-block-group-is-layout-flow\"><figure style=\"aspect-ratio:1;\" class=\"p-post-popular__media wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"889\" height=\"460\" src=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/Paydya_Loans_and_your_Personal_Taxes.png?w=889\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Guide to managing finances and getting cash from a Speedy Cash payday loan.\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/Paydya_Loans_and_your_Personal_Taxes.png 889w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/Paydya_Loans_and_your_Personal_Taxes.png?resize=300,155 300w, https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/Paydya_Loans_and_your_Personal_Taxes.png?resize=768,397 768w\" sizes=\"auto, (max-width: 889px) 100vw, 889px\" \/><\/figure>\n\n\n<div class=\"wp-block-group p-post-popular__content is-layout-flow wp-block-group-is-layout-flow\"><div style=\"margin-top:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.speedycash.ca\/blog\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div>\n\n<h2 style=\"margin-top:var(--wp--preset--spacing--20);\" class=\"t-display-x-small wp-block-post-title\">What Does My Payday Loan Mean For My Personal Taxes?<\/h2><\/div>\n<\/div>\n\n\n<a class=\"a-link-cover wp-block-read-more\" href=\"https:\/\/www.speedycash.ca\/blog\/what-does-my-payday-loan-mean-for-my-personal-taxes\/\" target=\"_self\">Read more<span class=\"screen-reader-text\">: What Does My Payday Loan Mean For My Personal Taxes?<\/span><\/a><\/article>\n\n<\/li><\/ul>\n\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Your credit score holds incredible power over your financial life. The higher it is, the better your financial health. It influences your ability to secure loans, obtain better interest rates, and even impact your housing and employment prospects. At times, life circumstances may make your credit score lower than you like, but there are things [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":1212,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Ways to Improve Your Credit Score - Speedy Cash<\/title>\n<meta name=\"description\" content=\"Boost your credit score fast with these 5 practical tips. Learn how to build better credit\u2014even with bad credit\u2014starting today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Ways to Improve Your Credit Score\" \/>\n<meta property=\"og:description\" content=\"Boost your credit score fast with these 5 practical tips. Learn how to build better credit\u2014even with bad credit\u2014starting today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Speedy Cash\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-07T17:00:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-11T15:22:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png\" \/>\n\t<meta property=\"og:image:width\" content=\"876\" \/>\n\t<meta property=\"og:image:height\" content=\"460\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Douglas N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Douglas N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\"},\"author\":{\"name\":\"Douglas N\",\"@id\":\"https:\/\/www.speedycash.ca\/#\/schema\/person\/7d94b820a9d2f269b733df414b747a2b\"},\"headline\":\"5 Ways to Improve Your Credit Score\",\"datePublished\":\"2023-12-07T17:00:31+00:00\",\"dateModified\":\"2025-12-11T15:22:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\"},\"wordCount\":1390,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.speedycash.ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png\",\"articleSection\":[\"Money Management\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\",\"url\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\",\"name\":\"5 Ways to Improve Your Credit Score - Speedy Cash\",\"isPartOf\":{\"@id\":\"https:\/\/www.speedycash.ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png\",\"datePublished\":\"2023-12-07T17:00:31+00:00\",\"dateModified\":\"2025-12-11T15:22:04+00:00\",\"description\":\"Boost your credit score fast with these 5 practical tips. Learn how to build better credit\u2014even with bad credit\u2014starting today.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage\",\"url\":\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png\",\"contentUrl\":\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png\",\"width\":876,\"height\":460,\"caption\":\"A young couple reviewing financial documents and calculator on sofa, highlighting 5 ways to improve your credit score.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.speedycash.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5 Ways to Improve Your Credit Score\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.speedycash.ca\/#website\",\"url\":\"https:\/\/www.speedycash.ca\/\",\"name\":\"Speedy Cash\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.speedycash.ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.speedycash.ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.speedycash.ca\/#organization\",\"name\":\"Speedy Cash\",\"url\":\"https:\/\/www.speedycash.ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.speedycash.ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/09\/cropped-Favicon.webp\",\"contentUrl\":\"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/09\/cropped-Favicon.webp\",\"width\":512,\"height\":512,\"caption\":\"Speedy Cash\"},\"image\":{\"@id\":\"https:\/\/www.speedycash.ca\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.speedycash.ca\/#\/schema\/person\/7d94b820a9d2f269b733df414b747a2b\",\"name\":\"Douglas N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.speedycash.ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b07907513594607226f264e61a7c5d47d7d465c2d079a2b34c529be32845545d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b07907513594607226f264e61a7c5d47d7d465c2d079a2b34c529be32845545d?s=96&d=mm&r=g\",\"caption\":\"Douglas N\"},\"url\":\"https:\/\/www.speedycash.ca\/blog\/author\/douglas-n\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"5 Ways to Improve Your Credit Score - Speedy Cash","description":"Boost your credit score fast with these 5 practical tips. Learn how to build better credit\u2014even with bad credit\u2014starting today.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/","og_locale":"en_US","og_type":"article","og_title":"5 Ways to Improve Your Credit Score","og_description":"Boost your credit score fast with these 5 practical tips. Learn how to build better credit\u2014even with bad credit\u2014starting today.","og_url":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/","og_site_name":"Speedy Cash","article_published_time":"2023-12-07T17:00:31+00:00","article_modified_time":"2025-12-11T15:22:04+00:00","og_image":[{"width":876,"height":460,"url":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png","type":"image\/png"}],"author":"Douglas N","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Douglas N","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#article","isPartOf":{"@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/"},"author":{"name":"Douglas N","@id":"https:\/\/www.speedycash.ca\/#\/schema\/person\/7d94b820a9d2f269b733df414b747a2b"},"headline":"5 Ways to Improve Your Credit Score","datePublished":"2023-12-07T17:00:31+00:00","dateModified":"2025-12-11T15:22:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/"},"wordCount":1390,"commentCount":0,"publisher":{"@id":"https:\/\/www.speedycash.ca\/#organization"},"image":{"@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage"},"thumbnailUrl":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png","articleSection":["Money Management"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/","url":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/","name":"5 Ways to Improve Your Credit Score - Speedy Cash","isPartOf":{"@id":"https:\/\/www.speedycash.ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage"},"image":{"@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage"},"thumbnailUrl":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png","datePublished":"2023-12-07T17:00:31+00:00","dateModified":"2025-12-11T15:22:04+00:00","description":"Boost your credit score fast with these 5 practical tips. Learn how to build better credit\u2014even with bad credit\u2014starting today.","breadcrumb":{"@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#primaryimage","url":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png","contentUrl":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png","width":876,"height":460,"caption":"A young couple reviewing financial documents and calculator on sofa, highlighting 5 ways to improve your credit score."},{"@type":"BreadcrumbList","@id":"https:\/\/www.speedycash.ca\/blog\/5-ways-to-improve-your-credit-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.speedycash.ca\/"},{"@type":"ListItem","position":2,"name":"5 Ways to Improve Your Credit Score"}]},{"@type":"WebSite","@id":"https:\/\/www.speedycash.ca\/#website","url":"https:\/\/www.speedycash.ca\/","name":"Speedy Cash","description":"","publisher":{"@id":"https:\/\/www.speedycash.ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.speedycash.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.speedycash.ca\/#organization","name":"Speedy Cash","url":"https:\/\/www.speedycash.ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.speedycash.ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/09\/cropped-Favicon.webp","contentUrl":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/09\/cropped-Favicon.webp","width":512,"height":512,"caption":"Speedy Cash"},"image":{"@id":"https:\/\/www.speedycash.ca\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.speedycash.ca\/#\/schema\/person\/7d94b820a9d2f269b733df414b747a2b","name":"Douglas N","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.speedycash.ca\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b07907513594607226f264e61a7c5d47d7d465c2d079a2b34c529be32845545d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b07907513594607226f264e61a7c5d47d7d465c2d079a2b34c529be32845545d?s=96&d=mm&r=g","caption":"Douglas N"},"url":"https:\/\/www.speedycash.ca\/blog\/author\/douglas-n\/"}]}},"jetpack_featured_media_url":"https:\/\/www.speedycash.ca\/wp-content\/uploads\/sites\/2\/2024\/10\/5_Ways_to_Improve_Your_Credit_Score.png","_links":{"self":[{"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/posts\/166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/comments?post=166"}],"version-history":[{"count":4,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/posts\/166\/revisions"}],"predecessor-version":[{"id":2795,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/posts\/166\/revisions\/2795"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/media\/1212"}],"wp:attachment":[{"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/media?parent=166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/categories?post=166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.speedycash.ca\/api\/wp\/v2\/tags?post=166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}