one thing I do find out, correct me if I'm wrong............... credit score doesn't matter too much for home loan in Canada. New immigrant if pay 30% deposit can get home loan and Prime-0.7% easily, for people I know who don't use a lot of CC and won't have very good credit score also can get Prime-0.7% easily, customer if have a unresolved cell phone bill in past, just pay off the past due bill, also can get Prime-0.7%.............looks like credit score doesn't affect too much on loan rates