More Money Podcast How to Rebuild Your Credit from Zero - VP Credit and Data at Capital One Canada, Becca Mintz
Nov 5, 2025
Becca Mintz, VP of Credit and Data at Capital One Canada, is dedicated to empowering Canadians with credit knowledge. She clears up misconceptions about credit, emphasizing that checking your score doesn’t hurt it. Becca discusses how to effectively rebuild credit, the differences between credit bureaus, and the importance of payment habits. She also warns against scams and highlights practical strategies for using credit cards. With a vision for a more inclusive financial system, Becca encourages listeners to take control of their credit journey.
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Target A Healthy Score Range
- Aim to get your score above ~700 to reach a healthy range but don't obsess over small gains.
- If your score is low, explore second‑chance products like secured cards that report to bureaus.
Use A Secured Card To Start
- Start building credit with a secured card that reports to credit bureaus.
- Distinguish secured cards from prepaid cards, which do not build credit history.
Don't Pay For Quick Fixes
- Avoid companies that charge for quick credit fixes; be skeptical of paid 'fast' solutions.
- Use reputable financial institutions to rebuild credit responsibly instead of paying for scams.