100+ Canadians Choose Us Weekly – 1000+ All 5-Star Reviews – Read real stories here

Learn how to reduce your debt by 50-80% within 5-7 days

Free Debt Consolidation

No contact details required to find out if you qualify

Free Savings Estimate

Get Started

How it Works

Know More

Debt Relief Options

See Your Options

4 Proven Ways To Build Good Credit In Canada

Maintaining a good credit score is vital and one of the most important factors when applying for loans or new credit lines. In this article, you will learn the best and proven ways to improve your credit score.

Credit cards can offer many benefits; convenience, flexibility in payments, manage money better if used responsibly, accrue rewards depending on the type of card you are using, and can be used to improve your credit depending on how disciplined you can be when using it.

Know more about us and what we can do by clicking on the button below…

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

Why It Is Important to Maintain a Good Credit Score

Credit Report

There are few reasons why you should maintain a good credit score:

  • A good credit score means you are more eligible for a lower interest rate.
  • It can also be an indication that you are a low–risk borrower.
  • A creditor can give you a higher credit limit because of your credit standing.
  • Above all benefits, it can also make your life easier when applying for new credit or loans.

How to Maintain & Improve your Credit Score


Avoid Overspending on Credit Cards


The quickest way to fall into the debt trap is by irresponsibly using your credit card. A credit card is not a license to buy things you can’t afford.

The best way to build a good credit score is to only spend what you can pay. This habit allows creditors to know you are a responsible borrower. You’ll find it much easier to apply for new credit or loans when you show discipline.

The same goes for loans, you should only borrow what you can afford regardless of the amount you qualify to take on. Before you sign up for loans, review your budget and see how much you can afford to repay monthly.

Pay Your Credit Card Balance in Full

Credit Card Balance

If you follow the first step above which is spending only what you can afford, repaying your balance in full at the end of each month won’t be a problem.

In this method, you show that you are capable of paying your bills not only on time but in full making your payment history flawless. Additionally, paying off your credit cards in full each month helps you avoid racking up interests which makes credit card repayment a lot easier.

Since the big factor of credit score is based on your payment history, paying your bills on time improves your credit tremendously.

Keep Old Account Open

credit card account

The longer your credit card account is active, the better it is for you and for your credit score. Leave your oldest account open especially when there is no annual fee, this way it can help increase your credit age and build your credit.

If you close an account, it will stay in your credit report for a period of time. It won’t be removed from your report immediately, but after several years; old and closed accounts will eventually be removed from your credit report.

Stop Applying for Too Many Credit Cards

credit score

A credit score inquiry can hurt your credit report. When you apply for new credit or loans, the bank or lender will check your credit; this is called “Hard Inquiry”.

Hard inquiries may damage your credit score temporarily but it will regain its original score as time passes by. Just make sure to follow the previous steps to improve your credit score.

Note that credit bureaus can keep a record of how many times you applied for new credit or loans. Too many hard inquiries on your credit can be a sign of desperation and can pose a risk to lenders.

Get a Debt Consolidation & Build Better Credit Score in the Future

Build Better Credit Score

If you are looking for options to pay off unsecured debts in Canada – we can help. We are an authority in debt relief and we continue to help people with debt over $10,000. Do you have debt from Credit Cards, Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans, and Student loans? It’s not too late to take action and stop your debt from ruining your life.

Our Clients 5-Star Reviews

Trevor Royles
Trevor Royles
Read More
Brittany was amazing with keeping me updated on everything going on would recommend to anyone
Cooper Metcalfe
Cooper Metcalfe
Read More
My name is Patsy and Caroline from National Debt Relief Services walked me through the process, making is easy to complete and with confidence that I was making the best decision for me and my family. Caroline answered questions promptly and expressed concern for the struggle that I had been experiencing up until now. Definitely recommended!!
Mandy Shier
Mandy Shier
Read More
Connie was truly amazing through this whole process, she helped me understand what will be going on, walked me patiently through everything, she has a heart of gold and genuinely a beautiful soul, thank you Connie!!

Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.


No contact details required to find out if you qualify

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.


This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

Debt relief program's accreditation logos
Council for Economic Education

Proud to support financial literacy education

See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

We Help Over 200+ Ontario Clients Per Day

We're here to help you consolidate your debt.

Get a free savings estimate today. There is no obligation.