Owen Mackenzie

Owen spent six years in consumer lending, reading credit files from the other side of the desk. He writes about how Canadian credit scores work, what moves them and what does not, in plain language. His rule for every piece is that a reader should be able to open their own Equifax or TransUnion report afterwards and understand each line on it. He is skeptical of quick credit fixes and prefers the slow, boring habits that actually show up on a file a year later.