Build Your Credit Score without Car Loan or Mortgage

build your credit score

One of the most important things you can do as a legal adult is find way to build your credit score so it’s as favourable as possible. A good credit score is the key you need to unlock pretty much everything that requires getting a loan of any type at a reasonable interest rate.

A common way to build your credit score is by taking out an instalment loan (often for a bigger purchase like a car or a mortgage for your house). But what if you don’t drive or can’t afford a car? And what if you’re not ready to buy your own home?

Here are some other ways you can start building your credit score:

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Moving to the suburbs or the city?


Maybe your current place is feeling just a little bit too small. Maybe you’re tired of car alarms going off at all hours of the night and noisy neighbours and paying way too much money in rent or for your mortgage. On the flip side, maybe you’re tired of the long commute to work and back every day. Maybe you find the cookie cutter houses on every suburban street depressing. If you’re seriously considering moving from the city into the suburbs (or vice versa), there are a few things you should ask yourself first.

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When is the Best Time to go House Shopping?

house shopping

Everyone knows that the best time to put your house up for sale is in the Spring; the sun is out, people are on vacation and in a good mood, and you have the opportunity to really boost your home’s curb appeal. But what if you’re looking to buy a new home rather than sell? Can the same be said about Spring being the optimal time? No. Surprisingly, the best time for homebuyers to go home shopping is in the Fall or Winter (ideally around December or January).

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