{"id":299217,"date":"2025-09-11T11:00:00","date_gmt":"2025-09-11T15:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/build-credit-file-student\/"},"modified":"2026-05-08T16:33:43","modified_gmt":"2026-05-08T16:33:43","slug":"build-credit-report-student","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/build-credit-report-student\/","title":{"rendered":"How Do I Build a Good Credit Score as a Student?"},"content":{"rendered":"\n<p>Many students focus on their studies and put off managing their finances. However, building your student <strong>credit score<\/strong> now is a crucial step for your financial future. Your credit score directly impacts your ability to get a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/student-loan-canada\/\">student loan<\/a>, a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\">credit card<\/a>, a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/mortgages\/how-do-you-work-hypothecary-canada\/\">mortgage<\/a>, or even to rent housing.<\/p>\n\n\n\n<p>By starting early, you show financial institutions that you\u2019re a responsible borrower. And, contrary to popular belief, you don\u2019t need a high income to build a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit score<\/a>. Small, consistent actions are enough. This article explains how to create and maintain a strong credit score right from your student years.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"373916\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-student-credit-score-and-credit-report\">Student Credit Score and Credit Report<\/h2>\n\n\n\n\n\n<p>The <strong>credit score<\/strong> is a numerical rating, usually between 300 and 900, that summarizes a person&#8217;s reliability as a borrower. The higher the number, the more responsible you are perceived to be by lenders.<\/p>\n\n\n\n<p>This score is calculated from your student <strong>credit report<\/strong>, a detailed report produced by agencies such as <a target=\"_blank\" title=\"Equifax\" href=\"\/go\/equifax\/\" rel=\"noindex\">Equifax<\/a> and <a title=\"Transunion\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/transunion\/\" rel=\"noindex\">TransUnion<\/a>. It combines your financial history, including:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Credit cards, student loans and lines of credit;<\/li>\n\n\n\n<li>Payments (on time or late);<\/li>\n\n\n\n<li>Use of available credit;<\/li>\n\n\n\n<li>Recent credit applications;<\/li>\n\n\n\n<li>Service invoices (telephone, internet, etc.).<\/li>\n<\/ul><\/div>\n\n\n\n<p>Many people confuse the two, but it\u2019s important to understand that the quality of your credit report directly affects your credit score.<\/p>\n\n\n\n<p>For students, building their credit history is an essential step towards financial credibility. A <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit score<\/a> facilitates access to credit cards, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/student-loan-canada\/\">student loans<\/a>, mortgages and even apartment rentals.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"86318\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-factors-that-influence-your-credit-score\">Factors That Influence Your Credit Score<\/h2>\n\n\n\n<p>Your credit score is calculated based on several specific elements of your student or personal credit file:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Payment history: pay your bills and credit cards on time;<\/li>\n\n\n\n<li>Credit utilization rate: using too much of your limit (over 30%) can hurt your score;<\/li>\n\n\n\n<li>Credit history: the longer you hold your credit accounts, the stronger your file;<\/li>\n\n\n\n<li>Credit applications: each application requires a credit check, which can temporarily lower your score;<\/li>\n\n\n\n<li>Types of credit: having a healthy mix (credit card, student loan, line of credit) shows your ability to manage different forms of credit.<\/li>\n<\/ul><\/div>\n\n\n\n<p>Understanding these factors will enable you to better manage your <strong>credit file as a student<\/strong> and gradually improve your score.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"116403,210569,63994,134431,86318\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-practices-to-improve-your-student-credit-score\">Best Practices to Improve Your Student Credit Score<\/h2>\n\n\n\n<p>Building a <strong data-start=\"332\" data-end=\"362\">student credit report<\/strong> is an essential step toward financial independence. Unlike your credit score, your credit report includes all your financial habits and repayment history. Here are the best practices to build a strong credit report right from your student years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-regularly-check-your-credit-report-as-a-student\">Regularly Check Your Credit Report as a Student<\/h3>\n\n\n\n<p>Your file may contain errors or inaccurate information. You have the right to request a free copy of your credit report once a year from <a target=\"_blank\" title=\"Equifax\" href=\"\/go\/equifax\/\" rel=\"noindex\">Equifax<\/a> and <a title=\"Transunion\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/transunion\/\" rel=\"noindex\">TransUnion<\/a>. Make a habit of consulting it to correct any errors and monitor your progress.<\/p>\n\n\n\n<p>What&#8217;s more, some financial institutions, such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/credit-report-equifax-transunion-desjardins\/\">Desjardins<\/a>, Tangerine, CIBC and Scotiabank, allow you to check your credit score from their banking platform.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"134431,63994,370065\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-your-bills-on-time-to-protect-your-student-credit-score\">Pay Your Bills on Time to Protect Your Student Credit Score<\/h3>\n\n\n\n<p>The most important factor in your credit rating is the regularity of your payments. Even a single late payment can have a negative impact on your credit rating and stay on your record for several years. Always pay at least the minimum amount indicated on your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\">student credit card<\/a> or student loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-manage-your-student-loans-and-service-accounts\">Manage Your Student Loans and Service Accounts<\/h3>\n\n\n\n<p>Your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/student-loan-canada\/\">student loans<\/a> are part of your credit history. Make your payments on time and avoid defaults. In addition, some service bills, such as cell phone or internet, may also be reported to credit bureaus. Managing these accounts responsibly helps strengthen your <strong>student credit report<\/strong>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210647\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-start-early-with-a-student-credit-card\">Start Early with a Student Credit Card<\/h3>\n\n\n\n<p>It&#8217;s often easier to get a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\">credit card designed for students<\/a>, with a modest limit and sometimes no annual fee. These cards not only help you build your credit rating, but also earn rewards such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">cash back<\/a> or loyalty points.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207265\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>If you love to travel and want to collect points to save on future trips, National Bank offers the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-platinum-mastercard\/\">National Bank Platinum Mastercard<sup>&reg;<\/sup><\/a>. If you prefer the simplicity of cash back, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/my-credit-national-bank\/\">NBC mycredit Mastercard<\/a> is a no-annual-fee card for students. There are many others:<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-acv'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='8'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-acv container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22649,22652,22698,22700,63359,22699\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Here&#8217;s more information on two of them:<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"cibc_dividend_visa_card_for_students\">CIBC Dividend&reg; Visa* Card for Students<\/h2>\n\t\t\t\t<p>The CIBC Dividend<sup>&reg;<\/sup> Visa* Card for Students is one of the <strong>best Visa credit cards for students <\/strong><strong>with cash back<\/strong> in Canada. Apply for the card and <strong>get up to <span class=\"nowrap\">$150<\/span> cash back<\/strong>.<\/p>\n<p>With this CIBC Student Credit Card, you get:<\/p>\n<ul>\n<li><span class=\"nowrap\">2%<\/span> cash back on eligible grocery purchases<sup>\u2020<\/sup><\/li>\n<li><span class=\"nowrap\">1%<\/span> cash back on eligible gas, electric vehicle charging, transportation, and dining purchases and on eligible recurring payments<sup>\u2020<\/sup><\/li>\n<li><span class=\"nowrap\">0.5%<\/span> cash back on all other purchases<sup>\u2020<\/sup><\/li>\n<\/ul>\n<p>What&rsquo;s more, with this CIBC Student Credit Card, you benefit from a free <a href=\"https:\/\/milesopedia.com\/finances-personnelles\/carte-spc-rabais-etudiants\/\" target=\"_blank\" rel=\"noopener\"><strong>free membership to SPC<\/strong><\/a>, for instant savings on over 450 in-store and online transactions.<\/p>\n<p>And this CIBC Student Credit Card offers <strong>some insurance coverages<\/strong>:<\/p>\n<ul>\n<li>Purchase Security and Extended Protection Insurance <\/li>\n<\/ul>\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22700\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card card-s\">\n\t<div class=\"card--grid\">\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"national_bank_platinum_mastercard_\">National Bank Platinum Mastercard&reg;<\/h2>\n\t\t\t\t<p>With the <strong>National Bank Platinum Mastercard<sup>&reg;<\/sup><\/strong>, you can earn <strong>2 points per dollar<\/strong> on grocery and restaurant purchases, and <strong>1.5 points per dollar<\/strong> on gas, EV charging, recurring bills and \u00c0 la carte Travel.<\/p>\n<p>Since it is an NBC mycredit <strong>Mastercard<\/strong>, you can use it at Costco.<\/p>\n<p>Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard<sup>&reg;<\/sup> <strong>does not require a minimum income<\/strong>.<\/p>\n<p>What&rsquo;s more, you can take advantage of <strong>a wide range of insurances<\/strong> usually reserved for high-end credit cards:<\/p>\n<ul>\n<li>180-day Purchase protection in the event of theft or damage<\/li>\n<li>Possibility of tripling the manufacturer\u2019s warranty (up to 2 additional years)<\/li>\n<li>Trip Cancellation Insurance<\/li>\n<li>Trip Interruption Insurance<\/li>\n<li>Out-of-province hospital insurance<\/li>\n<li>Flight Delay Insurance<\/li>\n<li>Baggage insurance in case of delay, theft or loss<\/li>\n<li>Car rental insurance<\/li>\n<li>Mobile Device Insurance<\/li>\n<\/ul>\n<p>We voted the National Bank Platinum Mastercard<sup>&reg;<\/sup> as the <strong>best credit card for young professionals in 2024<\/strong>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22652\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card card-s\">\n\t<div class=\"card--grid\">\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-limit-the-use-of-your-student-credit-card\">Limit the Use of Your Student Credit Card<\/h3>\n\n\n\n<p>A high credit utilization rate can negatively affect your credit report. Ideally, keep your monthly usage below 30 percent of your limit. For example, if your limit is $1,000, try to stay under $300. This shows that you use credit responsibly and makes you look better to lenders.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"252943,453543,136815\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"2\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-avoid-submitting-multiple-credit-applications\">Avoid Submitting Multiple Credit Applications<\/h3>\n\n\n\n<p>Each new application requires a credit check, which can temporarily lower your credit score. As a student, stick to credit cards that suit your needs, rather than accumulating several cards in a short space of time. A solid <strong>student credit report<\/strong> is based on stability and consistency, not on the number of accounts you open.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways-building-a-strong-student-credit-report\">Key Takeaways: Building a Strong Student Credit Report<\/h3>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Always pay your bills on time, even the minimum;<\/li>\n\n\n\n<li>Do not exceed 30% of your credit limit;<\/li>\n\n\n\n<li>Limit the number of credit applications;<\/li>\n\n\n\n<li>Check your credit report for free every year;<\/li>\n\n\n\n<li>Manage your student loans and utility bills with discipline;<\/li>\n\n\n\n<li>Start early with a student credit card.<\/li>\n<\/ul><\/div>\n\n\n\n<p>By applying these best practices, you&#8217;ll build a solid <strong data-start=\"3087\" data-end=\"3124\">student credit report<\/strong> that will make it easier for you to obtain loans, a mortgage or even a rental apartment once you&#8217;ve completed your studies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mistakes-to-avoid-with-your-student-credit-report\">Mistakes to Avoid With Your Student Credit Report<\/h2>\n\n\n\n<p>Building a <strong>student credit report<\/strong> takes discipline. Certain mistakes can hamper your efforts:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Late payments: even a few days late can damage your credit rating. Make sure you pay at least the minimum amount every month;<\/li>\n\n\n\n<li>Excessive use of credit: using more than 30% of your limit can give the impression that you are dependent on credit;<\/li>\n\n\n\n<li>Applying for too many credit cards: each application triggers a check that can affect your credit score;<\/li>\n\n\n\n<li>Ignore your statement: errors can creep in. Check your transactions and balance regularly;<\/li>\n\n\n\n<li>Neglecting to check your credit report: you can check your credit report with <a target=\"_blank\" title=\"Equifax\" href=\"\/go\/equifax\/\" rel=\"noindex\">Equifax<\/a> and <a title=\"Transunion\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/transunion\/\" rel=\"noindex\">TransUnion<\/a> for free every year.<\/li>\n<\/ul><\/div>\n\n\n\n<p>By avoiding these pitfalls, you&#8217;ll protect your <strong>credit rating as a student<\/strong> and build a solid foundation for your financial future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>Your <strong>student credit report<\/strong> is the first step toward financial independence. By adopting responsible practices today, you give yourself more options and freedom for your future projects. Start small, stay disciplined and your credit history will become a real asset.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22649\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"163762,210647,294907,252943,294822,368157,416557,458932,453543\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_build_a_student_credit_file_without_income_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I build a student credit file without income?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Even without a job, you can start with a low-limit <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\">student credit card<\/a>. The important thing is to pay your balances on time to demonstrate your reliability.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"whats_the_difference_between_a_credit_report_and_a_credit_score_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&#8217;s the difference between a credit report and a credit score?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The credit score is a number that summarizes your credit risk. The <strong>student credit report<\/strong> contains all your credit history: payments, open accounts, loans, etc.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_quickly_improve_my_student_credit_rating_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I quickly improve my student credit rating?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Always pay your bills on time, reduce your credit utilization to less than 30% and avoid unnecessary new credit applications. These actions will improve your credit rating in just a few months.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_student_loans_affect_my_credit_file_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo student loans affect my credit file?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. Your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/student-loan-canada\/\">student loans<\/a> are part of your credit history. On-time payments strengthen your record, but late payments hurt your credit score.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_check_my_credit_report_as_a_student_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I check my credit report as a student?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can obtain a free copy of your file once a year from <a target=\"_blank\" title=\"Equifax\" href=\"\/go\/equifax\/\" rel=\"noindex\">Equifax<\/a> and <a title=\"Transunion\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/transunion\/\" rel=\"noindex\">TransUnion<\/a>. This allows you to correct any errors and track your progress.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>A solid student credit report makes it easier to obtain loans, credit cards and even rental accommodation. Find out how to build it effectively.<\/p>","protected":false},"author":2488,"featured_media":411684,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48133],"tags":[],"mc_loyalty_program":[],"class_list":["post-299217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-score","mc_market-all-of-canada","tutorial-credit-score"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Do I Build a Good Credit Score as a Student? 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