Building an 800+ credit score in Canada is simpler than most people think. Focus on paying on time, keeping utilization low, maintaining long credit history, limiting hard checks, and managing different types of credit wisely.

Canada’s cost of living is rising more slowly, but your savings returns could drop. Inflation eased to 1.9% in August while the Bank of Canada cut rates to 2.5%. Here’s how it impacts mortgages, savings accounts, and your next money move.