Credit Repair for Students

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CREDIT REPAIR for students in Canada starts building with a Canadian secured credit card VISA

After the difficulty of finding their first job, most students’ next biggest hurdle is establishing themselves is getting CREDIT. Repair of this situation can start the moment they turn the legal age in their province. At that point, students qualify for a secured credit card VISA from the only Canadian company making them available in Canada.

Home Trust has been helping young people get the good credit history they need to succeed financially as fiscally responsible adults. They do not discriminate on the basis of age or inexperience like banks and credit unions. Instead, Home Trust VISA simply asks students to guarantee their student credit card with a $750-$1,000 CDN full refundable deposit that establishes your credit limit on a 1:1 basis.

That means you have a student credit card secured for emergencies or when you don’t want to carry large amounts of cash. The great thing about a reputable secured credit card like VISA is you enjoy all the benefits and responsibilities while building your initial credit history with the two credit bureaus in Canada – Equifax and Trans Union. As a student or recent graduate, you may not appreciate the need for a good credit rating today, but as you mature and begin making more adult choices your credit report will often become more important than that high school or university diploma you so proud to display.

In fact, when it comes to high marks, straight A’s and 4.0 GPA are not among the scores your banker will be grading when he/she evaluates your car loan request or mortgage application. It will be how high is your Beacon score, which is based largely on your credit history and predicted ability to repay any debts.

So study hard and finish school. But don’t forget about the financial realities. Make sure you make the grade both in and outside the classroom when it comes to credit repair and secured student credit cards. Get your student credit card today.

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