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Settlement· 6 min read·Canada

Post-arrival credit building: from invisible to 750 in 12 months

The exact secured-credit-card stacking sequence that builds Canadian credit fast.

Month 1: secured Capital One card, $500 deposit. Month 1: Borrowell free score baseline. Month 2: KOHO Premium. Month 3: Neo Mastercard. Month 6: switch from secured to unsecured. Month 12: 700+.

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