Help Hub

Help Hub

How does it work?

The faster you build great credit, the sooner your financial goals become a reality. Score-Up is a subscription-based service which provides you with access to our proprietary credit rebuilding software. It allows you to take control of your credit score, providing you with real-time advice on how to spend your money to positively impact your credit score, interactive budgeting tools, analyzed credit data and scores and more. Our team of specialists will also be on hand to assist you in your credit and financial decisions. Whilst subscribing to ScoreUp, you will have access to comprehensive credit advice, credit laws, credit education & testing.   
 
ScoreUp helps you create a target credit score based on your financial plans and credit history. Using the Target Score Simulator, receive a personalized strategy to achieve your goals, showing you which debts to pay off first, where to apply money to creditors, and how to gain valuable points. The simulator will show you how many points you could gain or lose, depending on what actions you take, before you take real-time action. 

What are the minimum qualification requirements for Score-Up?

In order to qualify for ScoreUp, we have a couple of minimum requirements. Firstly, in order to be applicable, you must be in one of the following Canadian provinces: BC, AB, SK, MB, ON, NFL, NB, NS, PEI, YK. You must be a Canadian citizen or permanent resident of one of these provinces.  
 
There are minimum age requirements depending on the province you’re from: BC, NB and NS must be 19 years old. AB, SK, MB, ON, PEI and YK must be 18 years old

What information and documents do you require?

It’s very simple! For us to set you up with our ScoreUp software, we require a few essential documents to get you on started. We need an automated bank statements and a credit report, two pieces of government-issued identification, a void cheque and three emergency contacts. 

Does your Booster Loan mean I am borrowing money?

Score-Up isn’t a loan service, but it’s a subscription service. We purchase the software license on your behalf, and you re-pay us monthly fees. This allows you to have full access to everything that Score-Up has to offer at your chosen payment schedule; Bi-weekly, Semi-monthly and Monthly. When you make each payment to us, we report it as a positive payment which further builds your credit score. 

How does Score-Up help me qualify for lower interest rates from the bank? 

Major banks lend based on your financial history and your credit score. This information provides banks with information on how likely you are to pay them back. The high the score, the better. When using Score-Up’s recommendations and budgeting app, it will ensure you are effectively paying of the right bills, for the right amount, and at the right time. Your higher credit score shows you can manage your money well, meaning they are more likely to offer you a lower interest rate.

What happens after I sign-up for Score-Up?

Congratulations, you’re one step closer to achieving your dream credit score for an exciting financial future. Once you have signed-up for Score-Up, one of our Credit Experts will be in contact to help you create your account with our Score-Up software. Once they’ve gathered all the required information, you then have access to our proprietary software, allowing you to utilize all Score-Up has to offer and quickly boost your credit score.

Do I get a walk-through of the Score-up software?

Of course! Our Score-Up credit boosting technology has many different tools for you to use to help boost your score. Our Credit Expert will show you exactly how to use all features Score-Up has to offer such as our Point Deduction Technology, Target Score & Money Simulator, Credit Monitoring and Errors & Omissions Tracking in order to help you maximize credit-building power.

Why are credit scores important?

Most people don’t realize how important their credit score is until they come across a financial product they can’t obtain, due to their low score A credit score is a three-digit number ranging from 300-700, based on a level analysis of a person’s credit files, to represent the creditworthiness of an individual. It’s a temporary snapshot of your credit report at the time of your inquiry took place and changes frequently. Having a low credit score can affect your chances of obtaining a personal loan, car loan, mortgage or even sometimes, renting a place or obtaining a cellphone contract.  

The beauty of a credit score is that there are always ways you can improve it. Whether you’re looking for a way to boost your score a few points in order to qualify for that much-needed loan, or trying to qualify for lower interest rates, longer repayment periods on loans and even a better chance of getting approved for other financial products you’re interested in. 

When you’re in a consumer proposal, it significantly impacts your credit score. Once you exit using our FastTrack loan you will see an instant increase between 30 – 70 points. Complimenting this with our ScoreUp product and changing your spending habits, your score will continue to increase and help you on your way to a positive financial future.  

How much does Score-Up cost?

All our plans are built with all types of budgets in mind. Score-Up has three Boost Subscription options to suit you; Boost $49.99, Boost Plus 66.99, Boost Premium 99.99.  To suit you, we have broken down the cost into either weekly, bi-weekly, semi-monthly or monthly payments which will be reported to both TransUnion and Equifax. further increasing your credit score.     

Through all these factors working together, we have seen people increase their credit score over 100 points with Score-Up. But remember, Score-Up subscriptions are like gym memberships, you get out of it, what you put in.  Find out more about our pricing here

How do you report positive payments to Equifax and Transunion?

We report each subscription payment to Equifax and Transunion as positive payments, which helps to further build your credit score depending on your spending habits. We have a team on hand who ensure your positive payments are all reported accurately to both credit reporting agencies.  

If I am already a Marble Fast-Track loan customer, can I still use Score-Up?

Of course! We would recommend using both products together in order to improve your credit score. Once you exit your consumer proposal using our Fast-Track loan, you will see an instant increase in your score by around 30 – 70 points. From here, using recommendations from Score-Up, you can further build your credit score and make those essentials moves to get you closer to your magic number

How long is the Score-Up program?

The ScoreUp program is a one-year subscription service, which provides you with access to our proprietary technology to help you improve your credit score. Using our Target Score Simulator, Money Simulator and more, this one-year program will help you make a change to your score. 

How many credit points can I expect to be increased by? 

This all depends on how you utilize our Score-Up software. You can see a jump from anywhere between 30 and 300, if you use our recommendations correctly and make changes to your spending habits.

Am I guaranteed to increase my credit score? 

While using Score-Up, we guarantee your credit score will increase if you take on board all the recommendations provided by Score-Up. Like a gym subscription, you get out of it what you put in, and it’s the same with trying to improve your credit score through ScoreUp

What is your cancellation policy?

We have a 30-day cancellation policy, so if for any reason do not want to continue with the program can exit without negatively impacting your credit score. However, we strongly recommend you continue your membership as building credit takes time and with our Boost Brand Promise, we will work with you until you see an improvement. Many companies do not provide a cancellation, or charge a cancellation fee. With our system, we simply require 30-days notice and this is built into your Score-Up agreement.

What is your Boost Brand Promise?

At Marble and Score-Up we’re on a mission to empower Canadians to great credit. So with that goal in mind we created our Boost Brand Promise, our way of committing to your financial wellbeing and our mission.

If you don’t see an improvement in your credit score after 12-months of following good financial habits and Score-Up’s recommendations, we will work with for FREE until you see an improvement.

How does Credit Coaching work?

Our Credit Coaching services are personalized to you, allowing you to pick the brains of our Credit Experts and ask any questions you may have about Score-Up and your credit score. Depending on your boost subscription package, our team can speak with you either monthly or quarterly, offering recommendations, tips and tricks on how to improve your credit score financial standing.

How do I reset my Score-Up password?

If you forgot your password, don’t worry – it happens to the best of us. Simply call us toll-free at 1-855-955-1875 and our team will be more than happy to help. They will verify your account and provide you with a temporary password to help you gain access to your Score-Up account. Once you’ve logged back in, you can simply change your password to something else.

How does it work?

The faster you build great credit, the sooner your financial goals become a reality. Score-Up is a subscription-based service which provides you with access to our proprietary credit rebuilding software. It allows you to take control of your credit score, providing you with real-time advice on how to spend your money to positively impact your credit score, interactive budgeting tools, analyzed credit data and scores and more. Our team of specialists will also be on hand to assist you in your credit and financial decisions. Whilst subscribing to ScoreUp, you will have access to comprehensive credit advice, credit laws, credit education & testing.   
 
ScoreUp helps you create a target credit score based on your financial plans and credit history. Using the Target Score Simulator, receive a personalized strategy to achieve your goals, showing you which debts to pay off first, where to apply money to creditors, and how to gain valuable points. The simulator will show you how many points you could gain or lose, depending on what actions you take, before you take real-time action. 

What are the minimum qualification requirements for Score-Up?

In order to qualify for ScoreUp, we have a couple of minimum requirements. Firstly, in order to be applicable, you must be in one of the following Canadian provinces: BC, AB, SK, MB, ON, NFL, NB, NS, PEI, YK. You must be a Canadian citizen or permanent resident of one of these provinces.  
 
There are minimum age requirements depending on the province you’re from: BC, NB and NS must be 19 years old. AB, SK, MB, ON, PEI and YK must be 18 years old

What information and documents do you require?

It’s very simple! For us to set you up with our ScoreUp software, we require a few essential documents to get you on started. We need an automated bank statements and a credit report, two pieces of government-issued identification, a void cheque and three emergency contacts. 

Does your Booster Loan mean I am borrowing money?

Score-Up isn’t a loan service, but it’s a subscription service. We purchase the software license on your behalf, and you re-pay us monthly fees. This allows you to have full access to everything that Score-Up has to offer at your chosen payment schedule; Bi-weekly, Semi-monthly and Monthly. When you make each payment to us, we report it as a positive payment which further builds your credit score. 

How does Score-Up help me qualify for lower interest rates from the bank? 

Major banks lend based on your financial history and your credit score. This information provides banks with information on how likely you are to pay them back. The high the score, the better. When using Score-Up’s recommendations and budgeting app, it will ensure you are effectively paying of the right bills, for the right amount, and at the right time. Your higher credit score shows you can manage your money well, meaning they are more likely to offer you a lower interest rate.

What happens after I sign-up for Score-Up?

Congratulations, you’re one step closer to achieving your dream credit score for an exciting financial future. Once you have signed-up for Score-Up, one of our Credit Experts will be in contact to help you create your account with our Score-Up software. Once they’ve gathered all the required information, you then have access to our proprietary software, allowing you to utilize all Score-Up has to offer and quickly boost your credit score.

Do I get a walk-through of the Score-up software?

Of course! Our Score-Up credit boosting technology has many different tools for you to use to help boost your score. Our Credit Expert will show you exactly how to use all features Score-Up has to offer such as our Point Deduction Technology, Target Score & Money Simulator, Credit Monitoring and Errors & Omissions Tracking in order to help you maximize credit-building power.

Why are credit scores important?

Most people don’t realize how important their credit score is until they come across a financial product they can’t obtain, due to their low score A credit score is a three-digit number ranging from 300-700, based on a level analysis of a person’s credit files, to represent the creditworthiness of an individual. It’s a temporary snapshot of your credit report at the time of your inquiry took place and changes frequently. Having a low credit score can affect your chances of obtaining a personal loan, car loan, mortgage or even sometimes, renting a place or obtaining a cellphone contract.  

How much does Score-Up cost?

All our plans are built with all types of budgets in mind. Score-Up has three Boost Subscription options to suit you; Boost $49.99, Boost Plus 66.99, Boost Premium 99.99.  To suit you, we have broken down the cost into either weekly, bi-weekly, semi-monthly or monthly payments which will be reported to both TransUnion and Equifax. further increasing your credit score.     

Through all these factors working together, we have seen people increase their credit score over 100 points with Score-Up. But remember, Score-Up subscriptions are like gym memberships, you get out of it, what you put in.  Find out more about our pricing here

How do you report positive payments to Equifax and Transunion?

We report each subscription payment to Equifax and Transunion as positive payments, which helps to further build your credit score depending on your spending habits. We have a team on hand who ensure your positive payments are all reported accurately to both credit reporting agencies.  

If I am already a Marble Fast-Track loan customer, can I still use Score-Up?

Of course! We would recommend using both products together in order to improve your credit score. Once you exit your consumer proposal using our Fast-Track loan, you will see an instant increase in your score by around 30 – 70 points. From here, using recommendations from Score-Up, you can further build your credit score and make those essentials moves to get you closer to your magic number

How long is the Score-Up program?

The ScoreUp program is a one-year subscription service, which provides you with access to our proprietary technology to help you improve your credit score. Using our Target Score Simulator, Money Simulator and more, this one-year program will help you make a change to your score. 

How many credit points can I expect to be increased by? 

This all depends on how you utilize our Score-Up software. You can see a jump from anywhere between 30 and 300, if you use our recommendations correctly and make changes to your spending habits.

Am I guaranteed to increase my credit score? 

While using Score-Up, we guarantee your credit score will increase if you take on board all the recommendations provided by Score-Up. Like a gym subscription, you get out of it what you put in, and it’s the same with trying to improve your credit score through ScoreUp

What is your cancellation policy?

We have a 30-day cancellation policy, so if for any reason do not want to continue with the program can exit without negatively impacting your credit score. However, we strongly recommend you continue your membership as building credit takes time and with our Boost Brand Promise, we will work with you until you see an improvement. Many companies do not provide a cancellation, or charge a cancellation fee. With our system, we simply require 30-days notice and this is built into your Score-Up agreement.

What is your Boost Brand Promise?

At Marble and Score-Up we’re on a mission to empower Canadians to great credit. So with that goal in mind we created our Boost Brand Promise, our way of committing to your financial wellbeing and our mission.

If you don’t see an improvement in your credit score after 12-months of following good financial habits and Score-Up’s recommendations, we will work with for FREE until you see an improvement.

How does Credit Coaching work?

Our Credit Coaching services are personalized to you, allowing you to pick the brains of our Credit Experts and ask any questions you may have about Score-Up and your credit score. Depending on your boost subscription package, our team can speak with you either monthly or quarterly, offering recommendations, tips and tricks on how to improve your credit score financial standing.

How do I reset my Score-Up password?

If you forgot your password, don’t worry – it happens to the best of us. Simply call us toll-free at 1-855-955-1875 and our team will be more than happy to help. They will verify your account and provide you with a temporary password to help you gain access to your Score-Up account. Once you’ve logged back in, you can simply change your password to something else.

Still have a question?

Our response hours are Monday-Friday: 9am-5pm (PST)

1-855-661-2390