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What Is Credit History and How to Manage It?

Your credit history describes how you used credit, both good and bad. How many credit cards and loans you have? How high are your balances? Do you pay your bills on time? It’s frustrating for people to learn that they can’t control their credit score, but what you can control is your credit behavior.

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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

Think of it as your health; if you control what you eat – you improve your overall health. If you manage your money and debt, you improve your credit history and your credit score.

Credit History

What is a Credit History?

Besides your credit score, lenders use credit history to gauge your creditworthiness to decide whether to approve your loan application or increase your credit limit.

It also serves as a timeline; newer activities have a higher impact on your credit score than old ones.

How is Credit Report Affecting Your Loan Application?

Equifax and Transunion are Canada’s biggest credit bureaus that collect and store your credit information from lenders. Public record information such as court orders, debts, liens on properties is provided to credit bureaus.

Before a lender or creditor lends you money, they will check your credit report from a credit bureau. Credit reports are also a way for lenders to share information and to show how you managed credit in the past.

It is also worth regularly checking if your credit report is accurate as you don’t want to have a bad record appearing in your report. A Free Credit Report is also beneficial, so you can review your credit and maintain accuracy.

However, it is worth noting that a free credit report will not show the same information as what lenders will see if they request it from their end. The suggested frequency is to check your credit report at least annually.

Loan Application Credit Report

How Does Your Credit History Get on Your Credit Report?

According to Equifax, ones’ credit score is calculated based on the following criteria:

  • Payments history – 35%
  • Credit utilization – 30%
  • Length of credit – 15%
  • Public records – 10%
  • Inquiries – 10%


As you see above, payment history has the highest impact on someone’s credit score. One late payment can dramatically lower your credit score.

The longer you’ve had credit, the better your credit history and your credit score. However, if you have credit for over 10 years and handled the debt poorly with a significant amount of money, you can still have a low credit score.

Maxing out your credit limit is very bad for your credit score. Also, applying so often for new credit will negatively impact your credit score as it will show how desperate you are for credit.

Managing your money, in general, is the best way to manage your credit history. Having a plan and creating a budget to avoid credit mistakes that will damage your credit report is ideal for maintaining a good credit history.

Credit Worthiness

How Does Your Credit History Get on Your Credit Report?

How well you manage your credit is the big picture. If you are working on repairing your credit score or rebuilding your credit that has been damaged by bad decisions, follow these steps to better manage your credit.

  1. Get a copy of your credit report annually.
  2. If you have too much debt, pay off some small debt and see your credit score get better.
  3. Don’t take on more debt which you will not be able to afford to repay.
  4. Pay bills on time.
  5. Keep your borrowing to below 50% of your gross monthly income.
  6. Avoid high-risk credits such as payday loans.

Our Clients 5-Star Reviews

Pamela Walters
Pamela Walters
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Great experience all around and very professional.
Yulian Almeida
Yulian Almeida
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AAAA+ Service. I highly recommend this program too anyone looking for debt relief. Our agent is Jennie and she is beyond amazing, very helpful and responsive. Jennie made the entire process effortless and we are very pleased with everything. Thank you!
Sam Lynn
Sam Lynn
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I’ve had a great experience with this company. Especially with Suma guiding me along the way. Very easy to talk to - to the point - she always makes sure to get back to me and she stays on top of things.

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?

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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

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