Many Canadians are unaware how their financial behavior may be affecting their overall credit standing and the impact that can have on getting approved for a mortgage or a lease. This is according to a new BMO Bank of Montreal report. More than 56% of Canadians have never checked their credit score and only 14% check at least once a year. Almost 31% lack knowledge about how to achieve a good credit rating. Over 52% of Canadians do not know what would be considered a good credit score which is between 680 to 720 says Tim Tintinalli, Regional Vice President, BMO Bank of Montreal. A poor credit rating results in significant financial limitations – everything from being approved for a loan to renting a property. A financial adviser can help advise you on the factors and behaviors that can build or maintain a good credit score; pay bills on time, manage your credit cards, don’t cancel them and check your credit report. You can order your own credit reports free from the 3 major credit reporting bureaus: Equifax, Experian and TransUnion annually to check and see if there are any errors or problems.