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Tag: Build Your Credit Score

Who Is Refresh Financial?

Refresh Financial Canada Exposed

Who Is Refresh Financial?

Refresh Financial is a small Canadian company devoted to changing the lives of Canadians for the better. You’ve probably heard a few organizations say that before, though, haven’t you? It’s kind of a buzz phrase. Does it even mean anything anymore when a company says they want to help change lives or is it just marketing fluff?

Well, this phrase actually means everything to us. We’re a people-focused company. In fact, people matter a great deal at Refresh Financial. We don’t just see the power in people, but we push for it. We really fight to bring out that power in each and every one of our clients. We fight for the little guy… and the big guy, and everyone in between. You see, to us, everyone deserves financial security, regardless of age, gender, country of origin or social standing. We see in you, no matter who are, the ability to create security for yourself. All you need are the right tools and a little support.

We’re not promising you effortless riches; we’re not selling some magic solution to all your financial woes. What we do, instead, is guide you through the savings process, and train you to meet your goals. It takes time. It takes patience. It takes work, but by the end of the process, you’ll be well on your way to living with financial security, decent credit, and room to finally sit back and breathe.

So, how does Refresh do this? With a credit building, secured savings program. As you pay into the program, we report back to the credit bureau that you’re making your payments. It’s important that during this process, you manage any and all other credit you may have elsewhere. Doing so will ensure that our positive reports to the credit bureau will help to build your credit score up. Each payment that is made is a boost to your credit and by the end of the process, not only do you get to keep the majority of the money you’ve saved up, but you’ve also got a better credit score.

We know you’re busy. We respect that, so not only have we set it up so that you can manage your Refresh program entirely online, but you also get access to our exclusive online F.I.T. program that you can use anytime, anywhere (there’s internet, that is!).

F.I.T. is Financial Intelligence Training. It might sound a little scary, but trust me, it’s not at all. It’s all online, and available to you, a Refresh customer, through short little videos that run between three to five minutes. You can watch them at your own pace and come away from them having learned a metric tonne about personal finance: from the most commonly believed myths, to successful goal setting, and even how to manage and build your wealth. Only our clients have access to this exclusive financial knowledge base, and only our clients can learn to be a money saving boss while enjoying the comfort of their own couch and the warmth of a cup of joe.

Our goal is pretty clear: we just want more Canadians to have a bright and stress-free financial future.

We’re pretty proud around here. Proud of the assistance we’ve offered to thousands of Canadians, proud to be able to offer you this unique and effective service, and proud to see our clients go on to achieve their financial goals. This isn’t just a great place to rebuild your credit, it’s also a really great place to work. Going home every day knowing that you spent the day working towards financial stability for many thousands of Canadians? It’s absolutely priceless.

I guess, to make a long story short, we’re transformation specialists here at Refresh. We believe in your potential to grow, learn and reach your goals. It’s really, really hard not to believe in the immense power of change when we see so many people do it, each and every day we come to work. No matter who you are, where you come from, or what your circumstances in life are, Refresh Financial has got your back.


How Credit Cards Are Used To Build Your Credit Score?

How to build your credit score with credit cards fast? Get a credit card as best credit card build your credit score, use it to make small purchases and other expenses on what you usually pay cash for your living then make a full payment of your credit card bill when its due, keep this practice on regular bases.How to build your credit score fast, easy and cost effectively? If you ask online for the same question, it will highlight majority of solutions that depend on credit cards because it been using for the purpose from a long time that can cost you a credit card application charges, annual fee and or security advance to settle your credit limit in case of secured credit card to begin. To build your credit score, you should require adopting an economical and easy to follow financial way, there are people who may think a loan on lower rates will help them to build their credit score, although they can do it with their credit cards without paying any interests. Yes, if you spend money on your day to day expenses through credit cards and pay back in full before the due date, you will save the interest amount beside your financial transaction keep building up your positive credit history with every transaction you complete.

Calculating a credit rating depends on FICO scoring model set by the credit reporting agencies working in the country, as it’s a standard system in the USA and Canada, it bring  same effects while determining different factors of contribution on the FICO scale in both the countries. Two of the major factors that can boost your credit score, holds 65% effect on your credit rating; 35% of your credit score is based on your Payment History and 30% on your Debt to Credit Ratio, and if you can manage to handle these 2 credit rating factors successfully, it will help you in maintaining a good credit history for you. Moreover, if you are practicing good care of your credit liabilities for a longer time than you can also awarded with the 15% contribution on the FICO scale for your Credit File Age that makes your total contribution of 80% towards FICO credit score range to get advantage of boosting your credit score, where credit cards are the easiest approach to be used to build your credit score.

If you have credit cards and using them to purchase your everyday expenses while paying off your credit card bills on regular bases for the full amount each month, it will help you in establishing your good payment history to enjoy the 35% advantage on your credit score and if you have maintained your credit cards usage history same way for a longer time, it will award you extra 15% positive increase on your credit score.  Moreover, keeping up with the regular payment history of your credit cards bills may deliver some portion of your remaining balance to the credit bureaus because of the nature of difference between the billing dates and payment due dates but it will not affect  negatively because you are not responsible for any interest charges that’s the reason keeping up with the regular payment history will also help you in maintaining your debt to credit ratio lower as possible to award your 30% credit boost to your credit score from this head.

Credit cards and credit rating have a great relationship with each other as most of the people used to hold credit cards that’s the reason they are aware of the fact; how fast it can make an impact on their credit rating. Credit cards debt is the most swear kind of debt that lot of people want to get rid of due to its high rates and quick reporting to the credit bureaus but on the other hand it’s been used from a long time as a traditional method to build credit score. Although there are alternate ways to build your credit score today (Credit Repair Canada) but most of the people still want to go with this traditional method because it’s simple, fast, and easy to follow. Credit cards are not even used to build but also considered as an effective credit instrument to rebuild bad credit rating. Credit building credit cards Canada offers lot of secured and unsecured credit cards for bad credit and or no credit in the market today, although your chances to qualify for an easy credit cards to get in Canada between these two options mostly depend on applying for secured credit cards because they generally don’t require a credit check but it doesn’t make any difference on your purpose of building your credit score and or rebuilding credit, you can easily get one according to your choice.

Remember; Always pay off your balance in full each month! primary purpose of the credit cards bring a safer way to shop without carrying cash and are built for people with good to excellent credit scores that keep up with their regular payment history. It’s highly effective nature of reporting to the credit bureaus to determine your time to time credit history and score have brought up a need to use it for a purpose of building credit scores. That’s the reason lot of credit card companies come up to offer credit cards to people with no credit and bad credit rating. Credit cards for rebuilding bad credit and or building no credit score are specially designed to fill up the need of such applicants who’ve had no credit history, past payment issues, loan default or bankruptcy. As best credit card build your credit score fast, most of the applicants put this same question; What is the best credit card? It’s deficult to answer because there are plenty of good names and brands that are availble to get advantage of their service for the same purpose and on the other hand it depends on your financial status to get approval for one of the best credit card for you. You can get a list of lot of credit cards ready to go with your approval crieteria to compare and find one of the best credit card for you. Apply and get approved for one of your desired credit card to start working to build your credit score today.


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