Credit Health Advisor
Quick Tips
Payment History
35% of your credit score
Credit Utilization
30% of your credit score
Credit History Length
15% of your credit score
Credit Mix
10% of your credit score
Canadian Credit Score Ranges
300 Poor Fair Good Excellent 900
đŸ’ŗ Credit Health Advisor
Connected
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Welcome to Earna Credit Health Advisor!

I'm here to help you understand and improve your credit score through responsible financial practices. I can provide educational guidance on:

  • Payment history optimization
  • Credit utilization strategies
  • Building credit from scratch
  • Credit report understanding
  • Canadian credit system specifics

Click any example below or ask your own credit health question!

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Improve Credit Score
Learn responsible strategies to boost your credit score
"How can I improve my credit score quickly but responsibly?"
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Credit Utilization
Understand the optimal credit card usage ratio
"What is the ideal credit utilization ratio?"
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Build Credit
Start building credit from scratch
"How do I build credit with no credit history?"
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Missed Payment
Recovery strategies for payment mishaps
"What should I do if I missed a payment?"