Category: Business & Finance

What comes to your mind anytime you think of success is financial security. If you’ve recently moved to Canada, you might opt to continue with your education or get a new job as a way of pursuing success. 

Nonetheless, having a great job or saving some money isn’t the real guarantee of financial security. You need a good credit score as well.

Banks, employers, landlords, and businesses look at your credit score before offering loans, mortgages, insurance packages, and rental agreements. If you don’t know much about credit scores, then this article is for you. 

• The Meaning of a Credit Score   

As a consumer, you determine the overall score by having the history of your financial transactions. Credit agencies must keep all the records of your payment history. This ranges from the number of credit cards you have to the amount you owe. 

The lenders will use the information they get from your credit report to determine your credit worthiness. From the information they’ll evaluate the risk of lending you money.

• Impact of a Good Credit Score

You need to understand the terms used to describe credit scores. These are; bad, fair, good, and excellent. You should know what each of these terms means and their ranges. You’re in a better position of getting loans from lending institutions if you have a good credit score. 

With a good credit score, you can get a credit card and also rent an apartment. A good credit score also allows you to save some money to repay your loan because of your credit card’s lower interest rate.

• How to Build Your Credit Score

You can build and establish a credit score by practicing healthy spending habits. Ensure you make small purchases that you can pay off and on time. 

Your payment history largely determines your credit history. Lenders pay much attention to whether you normally make your loans on time or not. 

You also have to maintain your credit limit if there’s any on your card. Maintain a minimum number of credit cards since creditors will be reviewing every new card you lay your hands on.

• Several Things Don’t Impact Your Credit Score

Your credit report has its limits. Your credit score is strictly calculated based on those limits. The credit reports only concentrate on your payment history. It only focuses on how you’re paying back the money that you promised you would pay. 

But lenders also have their way of evaluating you. They’ve their way of getting information aside from the credit reports. If your reports are not so promising, you can still opt for a no credit check loan in Canada whenever you need financial aid.

• How to Track Your Credit Score

There’re three credit bureaus where you can derive your credit score.  They include Experian, Equifax, and TransUnion. These reports act as a baseline to your credit score by providing information to your lenders. 

Two major credit companies will look and analyze other financial factors which result in your …

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Among the places that many businesses need to clean more often are floors, restrooms, desks, and surfaces. They clean these areas daily. 

However, they overlook the upholstery, an important feature in an office that needs daily cleaning. Many people only clean their upholstery when they become noticeably dirty. 

Failing to clean your upholstery can cause health problems for you and your team. You will also have to replace your furniture more often if you fail to clean them daily. Upholstery cleaning helps increase your furniture’s lifespan. 

You’ll remove things that cause damage, such as dust, allergens, and all kinds of debris. Follow these tips to keep your office upholstery looking good. 

Clean Your Upholstery Regularly

Cleaning your upholstery prevents the build-up of unwanted materials. Sometimes, the dirt might not be visible, but that doesn’t mean they’re not there. 

Things like dust, germs, stains, allergens, bacteria, and dander are hiding in your upholstery. Make sure you vacuum weekly or hire a commercial cleaning service to take care of that aspect while you focus on other things that matter.

Remove Stains and Spills Immediately

Clean the stains and spills before they deepen into fabrics. Use clean paper or cloth to remove stains and spills as soon as they occur. Make sure you follow the special care instructions to clean up the affected furniture. 

Don’t scrub or rub the stains as it will worsen the already existing situation and leave a permanent stain on your upholstery. 

Avoid using colored towels or sponges. Keep off the bleach, oil substances, or any other powerful detergents from your upholstery.

Rotate the Cushions Frequently

Turning your cushions more often can extend the lifespan of your upholstery. By rotating the cushions, you use every part of the seat. 

Make sure you fluff them regularly after any professional cleaning to maintain their shape. Ensuring even distribution of wear and tear will protect your cushions from indentations. 

Flipping and rotating your cushions more often helps to prevent sagging and keeps cushions in perfect shape.

Get Rid of the Odors

If you find that your upholstery smells, don’t assume the odor. Look for a way you can remove such musty odors. 

It is advisable to hire an experienced professional cleaner to remove such unwanted smells from your sofa. 

You can call in a technician to use their ultraviolet torch to see any urine marks if there are animal odors. You can also air your cushions outside and deep clean them to remove all pet hair and crumbs.

Protect Your Sofa

Use upholstery protectant to prevent spills from penetrating deep into the fibers and becoming stains. 

The protective product works as an invisible sheet that won’t interfere with the aesthetics of your furniture. This makes it easier to keep upholstered furniture clean and in good condition. 

You can also protect your furniture by covering it using a sofa cover or slipcover. You can change or wash slipcovers as much as you want. 

Another good thing about upholstery covers is that you can …

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