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No credit? No problem — here’s how to build it fast.

A lot of Canadians get declined not because of bad credit… but because they don’t have any credit at all.
Lenders can’t approve what they can’t measure — but the fix is simple.

In this video, I walk through how to start your credit file from scratch:
✔️ Open a small secured card or low-limit account
✔️ Use it, pay it off, repeat
✔️ Report rent or utilities if possible
✔️ Build steady patterns lenders can trust

Within months, you’ll have the history needed to qualify — and move closer to prime rates.

📍 Based in Toronto — helping clients across Ontario.
👉 DM “Qualify” to find out your next step.