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📈 Stage 3 — Kill High-Interest Debt

Credit Score Timeline

Select the actions you're taking (or planning to take) and see a realistic timeline to each credit score milestone. Based on how Canadian credit bureaus score behaviour.

Your current credit score
Check Borrowell or your bank app — free. Enter your Equifax or TransUnion score.
✓
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Got a credit card (secured or unsecured)
+30 pts / mo
The single biggest action — many newcomers qualify for unsecured cards immediately
✓
✅
Pay on time, every month
+20 pts / mo
Payment history is 35% of your credit score
✓
📊
Keep utilization under 30%
+15 pts / mo
Never use more than 30% of your credit limit
✓
📅
Keeping your first card open long-term
+10 pts / mo
Length of credit history is 15% of your score — never close your first card
✓
🚫
Not applying for multiple cards
+8 pts / mo
Each application creates a hard inquiry — avoid stacking
✓
🔀
Have a mix of credit types
+5 pts / mo
Credit mix is 10% of your score — a second card, auto loan, or authorized user status helps
📋 Select the actions you're taking above to see your personalised credit score timeline.
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Coach's Take
Personalized insights based on your actions
What to do next
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Check your credit utilization ratio →
Keeping utilization under 30% is one of the fastest credit score levers — see exactly where you stand and what to fix.

Not sure where to start?

Get the free First 90 Days guide — exactly what to do, in order, from day one.

Download the Free Guide (PDF)

Free · No sign-up · Opens instantly