FCAC
Credit report and score basics
Government of Canada
A clear overview of how credit reports and credit scores work in Canada, including what affects them and who can see them.
Education
Understanding credit puts you in a stronger position.
Education matters because one of Buzzy’s core values is being clear and helpful. Before anyone signs up, they should be able to understand how credit reports work, what actually changes scores, and where rent reporting fits into the bigger picture.
Start here
Three things worth understanding first
Canada-wide
1
Start with the basics
Understand what a credit report is, what a score is, and why the two are related but not identical.
2
Check your own file
See what is already being reported before you decide what steps to take next.
3
Learn what actually changes scores
Focus on payment history, credit use, and time instead of chasing shortcuts or promises.
Trusted resources
These links come from the Government of Canada and focus on credit reports, credit scores, and consumer guidance rather than product marketing.
Canada
Getting your credit report and credit score
Government of Canada
Practical steps for ordering your credit report and score so you can see what is already on file.
Score
Improving your credit score
Government of Canada
Federal guidance on payment history, credit use, and other habits that can support stronger credit over time.
Help
Getting help from a credit counsellor
Government of Canada
Canada.ca guidance on when credit counselling may help and what to look for if you need support.
Why education matters to Buzzy
These resources reflect the same values we want the product to reflect: clear information, honest framing, and practical help.
Clear
People should understand the system first.
Knowing how credit reports and scores work makes every next step more informed.
Honest
Good guidance should not sound like hype.
Credit building usually comes from consistent habits, not dramatic promises or shortcuts.
Helpful
Rent reporting is one step, not the whole story.
Buzzy can support reporting, but it works best when paired with a realistic understanding of credit.
Ready to set up rent reporting?
Once you understand the basics, you can sign up, connect through Plaid, and complete setup in a few clear steps.
Sign up