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Truth About Credit

Hosted by the City of Brampton

The Truth About Credit. Like a drug, credit of itself is neither good nor bad, it is all about how you use it.  If used correctly it can be extremely beneficial to your life.  If abused and used in ways it was never intended to be used, it can drag you down to a dark and dangerous place.  Come to our webinar, The Truth About Credit and learn how to use credit for your benefit.  Learn about the credit bureaus, your credit score and more importantly your credit history and the sometimes devasting impact when the credit bureaus have incorrect information in your credit history, how to correct and recover from these errors and to move forward. Did you know buying as little as a pack a gum a month can improve your credit score? Come learn how!​


Tim St. Vincent

Tim is the Credit Counselling Society’s Financial Educator for Manitoba, Saskatchewan and the GTA, he is based out of Winnipeg. Tim has over 25 years experience in Financial Services and is a retired Certified Financial Planner (CFP). Tim has also completed the Canadian Securities Course (Hons.) has achieved his Certificate In Management (C.I.M.) Hons. and is a Certified Educator in Personal Finance.  Tim believes strongly in the power of education, planning and acting on your plan.

Credit Counselling Society is a non-profit focusing on helping Canadians navigate our financial system.  We Help. We Educate. We Give Hope.  We help individuals and families achieve financial well-being through education, objective confidential credit counselling, budget review and preparation, the correct use of credit and with debt repayment alternatives. We have been around for over 25 years and in that time have helped over 900,000, educated over 110,000 and assisted our clients in repaying over $500M of debt.  We do not loan money, we focus on education and assistance.​