Regina Credit Guide: Saskatchewan Capital Financial Resources for Building and Rebuilding Credit

Mar 20, 202623 min read

Why Regina Residents Need a Localized Credit Strategy

Regina, Saskatchewan’s capital city, presents a unique financial landscape shaped by government employment, agricultural cycles, and a growing technology sector. Whether you are a provincial government employee, a farm worker navigating seasonal income, or a newcomer settling into this prairie city, understanding how credit works in Regina’s specific context can make the difference between financial struggle and stability.

Understanding Credit Scores in the Regina Context

Before diving into local resources, it is essential to understand how credit scoring works in Canada and why it matters for Regina residents specifically. Your credit score is a three-digit number, typically ranging from 300 to 900, calculated by Canada’s two major credit bureaus: Equifax and TransUnion.

What Constitutes a Good Credit Score in Regina

Credit Score Range	Rating	Impact for Regina Residents	Typical Interest Rate Range
800 – 900	Excellent	Best mortgage rates, premium credit cards, lowest insurance premiums	Prime to Prime + 0.5%
720 – 799	Very Good	Competitive rates from Conexus CU and major banks, good loan terms	Prime + 0.5% to Prime + 2%
650 – 719	Good	Standard approval for most products, moderate rates	Prime + 2% to Prime + 5%
600 – 649	Fair	Limited options, higher rates, may need co-signer for mortgage	Prime + 5% to Prime + 10%
Below 600	Poor	Difficulty securing conventional credit, alternative lenders needed	Prime + 10% and above

Credit Resources Team — Expert Note

Saskatchewan residents often have access to more flexible lending criteria through local credit unions compared to national banks. A score that might result in a decline at a big bank could still get you approved at Conexus Credit Union or other Saskatchewan-based financial cooperatives, often with better terms than alternative lenders.

Conexus Credit Union: Regina’s Largest Financial Cooperative

Conexus Credit Union is Saskatchewan’s largest credit union and one of the most important financial institutions for Regina residents, particularly those with credit challenges. With multiple branches throughout Regina, Conexus operates on a cooperative model, meaning members are also owners, which often translates to more flexible lending and genuine interest in member financial wellbeing.

Why Conexus Matters for Bad Credit Rebuilding

Unlike the Big Five banks that operate on a national model with rigid approval criteria, Conexus and other Saskatchewan credit unions take a relationship-based approach to lending. This means your full financial picture is considered, not just your credit score number.

Visit a Conexus branch in Regina and open a basic membership account. You will need valid Saskatchewan identification and proof of Regina residency. The minimum share deposit is typically five dollars.

Meet with a Conexus financial advisor to discuss your current credit situation honestly. Bring your most recent credit report from Equifax or TransUnion, along with proof of income and a list of your current debts.

Ask about their Credit Builder program, which offers small secured loans designed specifically to help members establish or rebuild credit history. These loans report to both credit bureaus monthly.

Set up automatic payments from your Conexus chequing account to ensure you never miss a payment on your credit builder loan. Payment history accounts for 35 percent of your credit score.

After six months of consistent payments, schedule a follow-up meeting to review your progress and discuss graduating to unsecured credit products with better terms.

Conexus Products for Credit Building

Product	Minimum Credit Score	Key Features	Best For
Secured Credit Card	No minimum	Security deposit equals credit limit, reports to both bureaus	Those with no credit or very poor credit
Credit Builder Loan	No minimum	Small loan held in savings, payments build credit	Rebuilding after bankruptcy or consumer proposal
Basic Visa Card	600+	Low limit, no annual fee, rewards on purchases	Transitioning from secured to unsecured credit
Personal Line of Credit	650+	Revolving credit, lower interest than credit cards	Consolidating higher-interest debts
Vehicle Loan	580+	Flexible terms, competitive rates for credit union members	Those needing reliable transportation for work

Pro Tip

Conexus Credit Union branches in Regina include locations on Albert Street, Victoria Avenue, Rochdale Boulevard, and in the Southland Mall area. Each branch offers free financial counselling to members, which is a significant advantage over national banks that typically charge for financial planning services.

Other Saskatchewan Credit Unions Serving Regina

While Conexus is the largest, several other credit unions serve Regina residents and may offer specialized products for those with credit challenges. Innovation Credit Union, Affinity Credit Union, and SaskCentral all have presence in the Regina area. Each operates on the same cooperative principles but may have different product offerings and approval criteria, so it is worth comparing options.

Credit Counselling Services in Regina

Professional credit counselling can be invaluable when you are dealing with bad credit or overwhelming debt. Regina has several reputable credit counselling organizations that offer free or low-cost services.

Credit Counselling Society of Saskatchewan

The Credit Counselling Society offers free, confidential credit counselling to Saskatchewan residents. Their Regina office provides one-on-one counselling sessions, debt management programs, and financial education workshops. As a non-profit organization, their goal is to help you, not to sell you products.

Services Available Through Local Credit Counselling

Free initial credit assessment where a certified counsellor reviews your complete financial situation including income, debts, expenses, and credit report.

Personalized action plan development that considers your specific circumstances, whether you are dealing with seasonal income from agriculture, government employment transitions, or other Regina-specific situations.

Debt Management Program enrollment if appropriate, where the counselling agency negotiates with your creditors to reduce interest rates and consolidate payments into one affordable monthly amount.

Ongoing financial education including budgeting workshops, credit score improvement strategies, and money management skills tailored to Saskatchewan’s cost of living.

Follow-up sessions to track progress and adjust your plan as your financial situation improves over time.

Credit Resources Team — Expert Note

When choosing a credit counselling service in Regina, ensure they are accredited by Credit Counselling Canada or the Canadian Association of Credit Counselling Services. Avoid any organization that charges high upfront fees or guarantees specific credit score improvements, as these are red flags for predatory services.

Farm Credit and Agricultural Income Considerations

Regina’s economy is deeply connected to Saskatchewan’s agricultural sector. Even if you do not farm directly, the ripple effects of agricultural cycles touch nearly every business and employment sector in the city. Understanding how agricultural income patterns affect credit is crucial for many Regina residents.

Farm Credit Canada (FCC) Resources

Farm Credit Canada, headquartered right here in Regina, is a federal Crown corporation that provides financing and other services to farming operations and agribusiness across Canada. For Regina residents connected to agriculture, FCC offers several relevant programs.

Managing Credit with Seasonal Agricultural Income

Season	Income Pattern	Credit Strategy	Key Actions
Spring (April – May)	High expenses, moderate income	Use existing credit lines carefully, avoid new applications	Budget for seeding costs, maintain minimum payments
Summer (June – August)	Low cash flow, high uncertainty	Minimize credit utilization, avoid large purchases	Monitor credit report, dispute any errors
Fall (September – November)	Harvest income, highest cash flow	Pay down debts aggressively, build emergency fund	Make extra payments on credit products, save for winter
Winter (December – March)	Variable, depends on grain sales	Maintain consistent payments, plan for spring	Review annual credit report, apply for needed credit

Pro Tip

If you work in an agricultural support industry in Regina such as equipment sales, grain handling, or agricultural technology, your income may follow similar seasonal patterns. Plan your credit applications for periods when your income documentation looks strongest, typically late fall after harvest payments have been processed.

Agricultural Financial Programs Accessible from Regina

Several government programs help smooth out the income volatility that can damage credit scores for agriculture-connected workers. The Saskatchewan Crop Insurance Corporation provides income stabilization programs. The AgriStability program helps manage large income declines. Western Diversification Programs offer additional support for Saskatchewan businesses looking to diversify beyond traditional agriculture.

Understanding these programs is important even for urban Regina residents because employer stability in agriculture-related industries directly affects job security and income consistency, which are the foundations of good credit health.

Government Employee Credit Resources in Regina

As Saskatchewan’s capital, Regina has a disproportionately high percentage of government employees compared to other Canadian cities. Both provincial and federal government workers have access to specific financial resources that can help with credit building and management.

Provincial Government Employee Benefits

Saskatchewan government employees have access to the Public Employees Benefits Agency, which administers several programs relevant to financial health. While these are not direct credit-building tools, understanding and maximizing these benefits can free up cash flow for debt repayment and credit building.

Review your employee benefits package thoroughly. Many Saskatchewan government employees underutilize benefits like the Employee and Family Assistance Program, which includes free financial counselling sessions.

Take advantage of the pension plan matching contributions. The PSSP Saskatchewan pension plan is one of the better public sector pensions in Canada, and maximizing your contributions builds long-term financial security.

Use the group insurance rates available to government employees. Lower insurance costs free up monthly cash flow that can be directed toward debt repayment.

Explore whether your department offers professional development funding that could increase your earning potential and long-term income stability.

Consider the job security advantages of government employment when applying for credit. Lenders view stable government employment very favorably, which can help offset a lower credit score.

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Government employment in Regina provides a significant credit-building advantage. The combination of stable income, comprehensive benefits, and pension security makes government employees lower risk in the eyes of lenders, often resulting in better terms even with imperfect credit scores.

Federal Government Employees in Regina

Regina hosts several federal government offices including the RCMP Training Depot, various Indigenous Services Canada offices, and multiple other federal departments. Federal employees have access to additional resources including the Government of Canada Workplace Charitable Campaign financial literacy programs and the Public Service Health Care Plan, which can reduce out-of-pocket healthcare expenses that might otherwise strain credit.

Regina Housing Market and Mortgage Access

The Regina housing market has historically been more affordable than many Canadian cities, making homeownership achievable even for those with imperfect credit. However, understanding mortgage options and how credit scores affect home buying in Regina is essential.

Mortgage Options for Regina Residents with Bad Credit

Mortgage Type	Minimum Credit Score	Down Payment Required	Best For	Available From
Conventional (A Lender)	680+	5% with CMHC insurance	Strong credit, stable income	Banks, credit unions
B Lender Mortgage	550 – 679	10 – 20%	Rebuilding credit, self-employed	Alternative lenders, some CUs
Private Mortgage	No minimum	15 – 25%	Very poor credit, recent bankruptcy	Private lenders, MICs
Rent-to-Own	No minimum	2 – 5% option fee	Building toward qualification	Local rent-to-own companies
CMHC First-Time Buyer	600+ (with insurer approval)	5%	First-time buyers with fair credit	Approved lenders with CMHC

Credit Resources Team — Expert Note

Regina’s relatively affordable housing market means that the path from bad credit to homeownership can be shorter than in more expensive cities. A focused two-year credit rebuilding plan, combined with saving for a larger down payment, can move many Regina residents from renting to owning. Work with a local mortgage broker who understands the Regina market for the best results.

Saskatchewan Housing Programs

The Saskatchewan Housing Corporation offers several programs that can help Regina residents with housing affordability. The Headstart on a Home program has helped develop affordable housing options. The Saskatchewan Rental Housing Supplement provides financial assistance to lower-income families, which can free up funds for credit rebuilding. The First-Time Homebuyer Incentive program from the federal government also applies to Regina purchases.

Building Credit as a Newcomer to Regina

Regina has experienced significant population growth through immigration in recent years, with newcomers arriving from around the world under programs like the Saskatchewan Immigrant Nominee Program. Building credit as a newcomer presents unique challenges, but Regina offers specific resources to help.

Obtain your Social Insurance Number as soon as possible after arriving in Regina. You cannot build credit history in Canada without an SIN, and many newcomer services at the Regina Open Door Society can help with this process.

Open a bank account at one of Regina’s financial institutions. Conexus Credit Union and the major banks all have newcomer banking packages. Choose one that includes a basic credit card or the option to apply for one.

Apply for a secured credit card if you cannot qualify for a regular card. Provide a security deposit equal to your desired credit limit, and use the card for small regular purchases each month.

Set up at least two utility accounts in your name, such as SaskPower and SaskEnergy. While utility payments are not traditionally reported to credit bureaus, some new services allow you to have them reported, and consistent payment builds a positive financial track record.

After six to twelve months of responsible credit use, apply for a small unsecured credit product to continue building your credit file. Multiple types of credit accounts improve your credit mix, which accounts for 10 percent of your score.

Newcomer-Specific Resources in Regina

The Regina Open Door Society is the primary settlement agency for newcomers and offers comprehensive services including financial literacy workshops, employment assistance, and referrals to appropriate financial services. The Regina Immigrant Women Centre provides additional support for women newcomers, including financial independence programs. The Global Rregina initiative connects newcomers with local business and employment opportunities that provide the stable income needed for credit building.

Dealing with Debt in Regina: Local Solutions

If you are overwhelmed by debt in Regina, understanding your options under Saskatchewan law is important. The solutions available to you depend on the amount and type of debt, your income, and your long-term financial goals.

Debt Solution Comparison for Regina Residents

Solution	Debt Amount	Credit Impact	Duration	Cost	Best For
Debt Management Program	5,000 – 50,000 dollars	R7 rating for 2 years after completion	3 – 5 years	Monthly admin fee	Multiple credit card debts
Consumer Proposal	Up to 250,000 dollars	R7 rating for 3 years after completion	Up to 5 years	Included in payments	Significant debt, avoiding bankruptcy
Bankruptcy	Any amount	R9 rating for 6-7 years after discharge	9 – 21 months	Surrender non-exempt assets	Overwhelming debt, no alternative
Debt Consolidation Loan	5,000 – 50,000 dollars	May temporarily lower, then improves	2 – 5 years	Interest on loan	Fair credit, multiple debts
Informal Debt Settlement	Varies	Negative notes, R7 possible	Negotiation period	Settlement amount	One or two specific debts

Pro Tip

Saskatchewan has specific exemption rules for bankruptcy that differ from other provinces. Under the Saskatchewan Exemptions Act, you may be able to keep more assets than you expect, including necessary household furnishings, tools of your trade up to a certain value, and your primary residence equity up to certain limits. Consult a Licensed Insolvency Trustee in Regina for advice specific to your situation.

Licensed Insolvency Trustees in Regina

Several Licensed Insolvency Trustees operate in Regina, including offices of national firms like MNP LTD, Grant Thornton, and Faber and Associates. These professionals are licensed by the federal government to administer consumer proposals and bankruptcies. Initial consultations are typically free and confidential. It is important to speak with a Licensed Insolvency Trustee directly rather than a debt consultant or settlement company, as only LITs can file the legal documents needed for consumer proposals and bankruptcies.

Saskatchewan-Specific Credit Laws and Protections

Understanding the provincial laws that protect you as a consumer in Saskatchewan is an important part of managing your credit effectively.

The Saskatchewan Consumer Protection and Business Practices Act

This legislation provides several protections for Regina residents, including regulations on unfair business practices, cooling-off periods for certain contracts, and requirements for disclosure in lending agreements. The Financial and Consumer Affairs Authority of Saskatchewan enforces these provisions and handles consumer complaints.

Key Takeaways

Saskatchewan’s consumer protection laws limit certain practices that can harm consumers with bad credit. Payday lenders in Saskatchewan are regulated under the Payday Loans Act, which caps fees and interest rates. The maximum cost of borrowing for a payday loan in Saskatchewan is 17 dollars per 100 dollars borrowed. If you are using payday loans regularly, this is a sign that you need to explore alternative financial solutions available in Regina.

Credit Reporting Rights in Saskatchewan

Under Canadian law, you have specific rights regarding your credit report that are important to know and exercise regularly.

You have the right to obtain a free copy of your credit report from both Equifax and TransUnion once per year. You can do this online, by phone, or by mail. Review every detail carefully.

If you find errors on your credit report, you have the right to dispute them. Both credit bureaus have dispute processes, and they must investigate your claim within 30 days.

You can add a consumer statement to your credit report explaining any negative items. For example, if a period of bad credit was caused by a medical emergency or job loss due to agricultural sector downturn, this context can help lenders understand your situation.

Negative information generally remains on your credit report for six to seven years from the date of last activity. Understanding this timeline helps you plan your credit rebuilding strategy.

You have the right to know who has accessed your credit report. Regular monitoring helps you spot unauthorized inquiries that could indicate identity theft.

Technology and Financial Tools for Regina Residents

The digital financial landscape offers Regina residents powerful tools for credit monitoring, budgeting, and financial management that complement local resources.

Credit Monitoring Services

Several free credit monitoring services are available to Canadian residents, including Borrowell and Credit Karma. These services provide free credit score updates, credit report monitoring, and alerts when changes occur on your credit file. For Regina residents, these tools are particularly valuable because they allow you to track the impact of your credit-building efforts in real time.

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The combination of local Regina resources like Conexus Credit Union and digital tools like free credit monitoring apps creates a powerful credit-building ecosystem. Use technology to track your progress while leveraging the personalized service that local financial institutions provide.

Budgeting for Regina’s Cost of Living

Expense Category	Average Monthly Cost in Regina	Percentage of Median Income	Tips for Reducing
Housing (Rent, 2BR)	1,150 – 1,400 dollars	25 – 30%	Consider areas like Normanview or Eastview for lower rents
Utilities (Heat, Power)	250 – 400 dollars	5 – 8%	SaskEnergy and SaskPower equal payment plans smooth costs
Transportation	350 – 550 dollars	7 – 12%	Regina Transit monthly pass is 83 dollars, significant savings
Groceries	400 – 600 dollars	8 – 13%	Shop at Superstore, No Frills, or Regina Farmers Market
Insurance (Auto)	120 – 200 dollars	2 – 4%	SGI offers basic coverage, shop around for extensions
Debt Payments	Varies	Should not exceed 15%	Prioritize high-interest debts, consider consolidation

Credit Resources Team — Expert Note

Regina’s harsh winters mean that heating costs can be a significant budget item from October through April. SaskEnergy’s Equal Payment Plan allows you to spread natural gas costs evenly across all twelve months, preventing winter budget shocks that can lead to missed payments on other bills and credit damage. Set this up before your first winter in Regina.

Regina-Specific Credit Building Strategies

Based on the unique characteristics of Regina’s economy and available resources, here are targeted strategies for building or rebuilding credit in Saskatchewan’s capital.

Strategy 1: The Government Employee Fast Track

If you are a government employee in Regina, you have advantages that many other borrowers do not. Stable employment with a known employer, predictable income, and strong benefits make you a lower-risk borrower. Even with bad credit, approach your credit union or bank with your employment letter, pay stubs, and a clear plan for credit rebuilding. Many lenders will offer terms based partly on employment stability.

Strategy 2: The Agricultural Sector Approach

For those connected to agriculture, timing is everything. Apply for credit products in late fall when your income documentation is strongest. Use Farm Credit Canada resources for agricultural-specific financing. Build relationships with rural credit unions that understand farming income patterns and can offer flexible repayment schedules aligned with harvest cycles.

Strategy 3: The Newcomer Building Block Method

New to Regina and new to Canadian credit? Start with a secured credit card, build utility payment history, and leverage newcomer programs at Conexus Credit Union and the Regina Open Door Society. Within 12 to 18 months of consistent effort, you can establish a credit score sufficient for most basic financial products.

Local Community Resources for Financial Health

Beyond formal financial institutions, Regina has a strong network of community organizations that support financial literacy and credit health.

Regina Public Library Financial Literacy Programs

The Regina Public Library system offers free financial literacy workshops throughout the year. These programs cover topics including budgeting basics, understanding credit reports, debt management strategies, and retirement planning. Check the RPL website or visit any branch to find current program schedules.

University of Regina Financial Wellness Resources

The University of Regina offers financial wellness resources not only to students but often to the broader community. Their Student Success Centre provides financial literacy workshops, and the Hill School of Business occasionally offers community-facing financial education events.

Indigenous Financial Resources

Regina has a significant Indigenous population, and several organizations provide culturally appropriate financial services. The Saskatchewan Indian Institute of Technologies offers programs that include financial literacy components. The First Nations Bank of Canada, while headquartered in Saskatoon, serves Regina clients and understands the unique financial challenges facing Indigenous communities, including those related to reserve banking, treaty payments, and transitioning to urban financial systems.

Pro Tip

The First Nations Bank of Canada was created specifically to serve Indigenous communities and understands the unique aspects of Indigenous finances in Saskatchewan. If you are Indigenous and living in Regina, this institution may offer a more culturally sensitive approach to banking and credit building than mainstream financial institutions.

Avoiding Credit Pitfalls in Regina

While building credit, it is equally important to avoid common pitfalls that can set back your progress.

Payday Loan Alternatives

Payday loans are one of the most damaging financial products for those trying to build credit. In Regina, several alternatives exist. Conexus Credit Union offers small-dollar emergency loans with much lower interest rates. The Salvation Army and other charitable organizations may provide emergency financial assistance. Some employers offer paycheck advance programs. Building even a small emergency fund of 500 to 1,000 dollars can eliminate the need for payday loans entirely.

Buy-Here-Pay-Here Auto Dealers

Regina has several auto dealers that advertise easy approval regardless of credit. While these can provide necessary transportation, they typically charge much higher interest rates and the vehicles may not be worth the price paid. Before using these services, explore vehicle financing through Conexus Credit Union or check if you qualify for a standard auto loan from a major bank.

Key Takeaways

The best credit-building strategy in Regina combines local resources like credit unions and community organizations with disciplined financial habits. Avoid quick fixes like payday loans and high-interest auto financing that create a cycle of debt. Instead, focus on sustainable practices: consistent payments, low credit utilization, and gradually building your credit history over time.

Your Regina Credit Building Action Plan

Here is a month-by-month action plan for rebuilding your credit in Regina over the next twelve months.

Month	Action Steps	Expected Outcome
Month 1	Pull credit reports from both bureaus, dispute errors, open Conexus membership	Baseline established, errors identified
Month 2	Apply for secured credit card, set up automatic bill payments	First credit-building product active
Month 3	Begin using secured card for small purchases, attend RPL financial workshop	Building positive payment history
Months 4 – 6	Maintain consistent payments, review budget monthly, pay down existing debts	5 to 15 point credit score improvement
Months 7 – 9	Apply for credit builder loan, continue all payments, reduce utilization below 30%	Additional credit account, 15 to 30 point improvement
Months 10 – 12	Review progress, apply for unsecured credit if score allows, continue good habits	Significant credit improvement, expanded access

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Frequently Asked Questions About Credit in Regina

What is the fastest way to build credit in Regina with no credit history?
The fastest approach is to open a membership at Conexus Credit Union, obtain a secured credit card, and use it for small regular purchases while making full payments each month. Simultaneously, set up utility accounts with SaskPower and SaskEnergy in your name. Within six months, you should have a usable credit score.

Can I get a mortgage in Regina with bad credit?
Yes, Regina’s affordable housing market makes mortgage access possible even with imperfect credit. With a score above 550, B-lenders may approve you with a larger down payment. Private mortgages are available with no minimum score but require 15 to 25 percent down. Working with a Regina mortgage broker who specializes in bad credit clients will give you the best options.

Are Saskatchewan credit unions better than big banks for bad credit?
Generally, yes. Saskatchewan credit unions like Conexus operate on a relationship-based lending model, meaning they consider your full financial picture rather than just your credit score number. They are often more flexible with approval criteria and may offer credit-building products that big banks do not.

How long does a consumer proposal stay on my credit report in Saskatchewan?
A consumer proposal remains on your credit report for three years after you complete all payments, or six years from the date it was filed, whichever comes first. During this time, your credit rating will show as R7. After it falls off, you can rebuild to a strong credit score within one to two additional years.

What should I do if a Regina debt collector is harassing me?
Saskatchewan’s Collection Agents Act regulates debt collection practices. Collectors cannot call before 7 AM or after 9 PM, cannot use threatening or abusive language, and must identify themselves. If you experience harassment, file a complaint with the Financial and Consumer Affairs Authority of Saskatchewan. You can also request that the collector communicate with you only in writing.

Does SaskPower or SaskEnergy report to credit bureaus?
Traditionally, Saskatchewan utility companies do not report regular payments to credit bureaus. However, they may report accounts that go to collections. Some third-party services now allow you to have utility payments reported to build credit. Check current options with services like Borrowell or ask your credit union about utility payment reporting programs.

How can I get free financial advice in Regina?
Several options exist for free financial advice in Regina. The Credit Counselling Society offers free counselling sessions. Conexus Credit Union provides free financial guidance to members. The Regina Public Library hosts financial literacy workshops. The Employee and Family Assistance Program available to government employees includes free financial counselling. Many Licensed Insolvency Trustees also offer free initial consultations.

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Building good credit in Regina is not about quick fixes or magic solutions. It is about consistently making smart financial decisions, using the local resources available to you, and being patient as your credit history grows stronger over time. The resources in Saskatchewan’s capital city make this journey more achievable than in many other Canadian locations.

Building and maintaining good credit in Regina requires understanding both the national credit system and the local resources that make Saskatchewan’s capital unique. From Conexus Credit Union’s member-focused approach to Farm Credit Canada’s agricultural expertise, from government employee benefits to newcomer settlement services, Regina offers a comprehensive ecosystem of support for anyone working to improve their financial health.

The key is to start where you are, use the resources available to you, and maintain consistency in your credit-building efforts. Whether you are a lifelong Regina resident or a newcomer just arriving in the city, the path to better credit starts with a single step. Take that step today by pulling your credit report, visiting a local credit union, or attending a free financial literacy workshop at the Regina Public Library.

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Regina Credit Guide: Saskatchewan Capital Financial Resources for Building and Rebuilding Credit