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Workers make contributions to the Canada Pension Plan. If you work for an employer, these are deducted from your pay cheques. Employers also make contributions to the Canada Pension Plan on behalf of their employees.

The amount of your retirement pension or disability benefit is based on a few things, including:

  • the amount you contributed to your plan,
  • how long you contributed for, and
  • the age you retire at.

A Canada Pension Plan (CPP) retirement pension is a monthly payment that many Canadians get when they retire.

To get a CPP retirement pension, you normally have to have:

  • worked in Canada
  • made contributions to the CPP

You may also get a CPP retirement pension if you didn’t work in Canada or contribute, but have enough contributions because of a divorce or separation. This can happen if you split your pension contributions with your former partner.

You can get a CPP retirement pension when you’re 65 years old. Or, you can start your CPP retirement pension:

  • as early as 60, and get less money each month
  • as late as 70, and get more money each month
Title: credit

Credit is getting money, goods, or services now in exchange for your promise to pay them back later. Rent payments, phone bills, utility bills, loans, and money you borrow on a credit card or a line of credit, are common types of credit.


Credit counselling is a service for people with money problems. It helps you find the best way to reduce your debt or pay it off. You can also learn how to make a budget and keep to it, and how to improve your credit report and credit score. There are non-profit and for-profit credit counselling services.


Credit history, also known as a consumer report or consumer information, is the information a consumer reporting agency has about:

  • the money you’ve borrowed from businesses, such as credit card companies or banks
  • the bills that you pay regularly, like your rent or your hydro bill

For example, if you have a mortgage, the credit reporting agency will have detailed information about the money you borrowed and the bills you pay, including:

  • the amount of your mortgage or line of credit
  • the interest rate you pay on your borrowed money
  • the repayment schedule for the borrowed money
  • if you paid your bills in full and on time
Title: credit limit

A credit limit is the total amount of money you can borrow from a lender. This term is most often used for credit card limits. For example, a credit card may have a credit limit of $5,000.

Title: credit rating

Your credit rating is calculated by a consumer reporting agency. Your credit rating is based on your credit history. It tells a creditor how likely you are to pay back your debts based on how you did (or didn’t) pay your debts or bills in the past.

Title: credit repair

Credit repair is when you try to improve your credit rating. Ways to do this include fixing wrong information on your credit report and paying your bills on time. 


A credit repair company is a business that promises to “fix” or improve your credit score or credit report for a fee. Usually, these companies can’t do anything that you can’t do yourself.

Title: credit report

A credit report, sometimes called a consumer report, shows details of your credit history. For example, it shows whether you have paid back money you owe or paid your bills on time. It will also say if you’ve filed for bankruptcy, or have been discharged from bankruptcy in the last 6 years. A credit report is not the same as a credit score.

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