Building a credit score in your first year
Updated 2026-10-18ਅੰਗਰੇਜ਼ੀ ਮੂਲ
Official source: Financial Consumer Agency of Canada · Credit reports and scores ↗
Published 2026-10-18Last checked 2026-10-18Language English
ਅਜੇ ਅਨੁਵਾਦ ਨਹੀਂ ਹੋਇਆ। ਅੰਗਰੇਜ਼ੀ ਮੂਲ ਦਿਖਾ ਰਹੇ ਹਾਂ।
If this page and the official page differ, the official page is right.
Why it matters
Landlords, phone companies and lenders look at your credit report. A newcomer starts with no Canadian history.
How to start
- Get a credit card, even a small one. A secured card, where you leave a deposit, is easier to get.
- Use it for a few regular bills and pay the full balance on time every month.
- Keep your balance well below your limit.
Check your report for free
You can ask Equifax and TransUnion for your credit report for free. Check that the information is correct.
ਆਮ ਜਾਣਕਾਰੀ, ਕਾਨੂੰਨੀ ਸਲਾਹ ਨਹੀਂ। Every guide links to the official source and shows when we last checked it. For your own case, use IRCC’s tools or a licensed consultant.