Help Hub

Help Hub

MyMarble FAQ

What is MyMarble?

MyMarble is an AI-driven personal finance trainer that offers real-time plans and recommendations to make a positive impact on your overall financial health. MyMarble accurately finds you the right plan that fits your lifestyle and allows you to take charge of your financial habits with many of Marble’s data-driven and personalized recommendations. MyMarble empowers you to follow a step-by-step financial fitness plan and recommends the best products and solutions that has to Marble offer. Depending on your goals, there are many free and premium solutions to choose from which include Score-Up, Fast-Track and Maestro Educational Courses.

What Do I Need To Qualify For MyMarble?

MyMarble is based online and operates in all of Canada excluding Quebec. To qualify, you will need to be above the age of majority in your respective province/ territory (18-19 years of age).

What Are The Benefits Of MyMarble?

The MyMarble Dashboard provides countless benefits to ensure you achieve your financial goals. It’s free to sign-up for the MyMarble Dashboard, and it provides quick and easy access to monthly reports by simply connecting your bank account.

Tracking Your Spending Habits & Trends

With MyMarble, you can analyze your monthly reports, take a look at an overview of your account, and keep up with your monthly habits and trends. The MyMarble platform allows you to visualize your spending month-to-month on a graph to help track historical trends in spending.

Monitoring Your Credit Score

Keeping track of your credit score is now easier than ever with MyMarble. The platform provides you with your monthly credit score, helping you follow your journey in reaching your target credit score.

Personalized Insights and Recommendations

MyMarble provides you with personalized insights and recommendations, highlighting opportunities to help you achieve your debt-free goals and increase your credit score. These insights will include recommendations for our financial solutions Score-up and Fast-Track Alongside this, you will have quick access to our Maestro financial literacy program, allowing you to learn about debt, credit and budgeting in our skill-testing educational environment.

How Does MyMarble Work?

The first step to beginning your journey with MyMarble is by signing-up for free and to connect your primary bank account. You will gain access to your monthly reports, with a focus on your monthly habits and trends. You can view the breakdown of how and what you’re spending your income on in terms of your fixed expenses, flexible expenses and debt payments. These four pillars will help guide you through the platform and help you prioritize your incomings and outgoings.

From here, MyMarble will then connect you with solutions to help further improve your financial well-being. By checking your eligibility for both Fast-Track and Score-Up and recommending that you enroll in our Maestro courses, each Marble solution works together as a team and compliments your journey to improve your financial situation. When using these solutions, the MyMarble platform allows you to monitor your progress and track your new habits to improve your bottom line.

What Are The Solutions MyMarble Offers?

Maestro Financial Literacy Platform

Maestro provides you with free access to our online courses to help you understand the three crucial areas of your finances: debt, credit and budgeting. With over 25 different modules, you can learn about many different aspects of your finances through our video content, text and test your knowledge with our quizzes.

While actively tracking your debt, credit score and monthly reports through MyMarble, our Maestro courses will help you apply your learnings to your finances and make any necessary changes to your budget. Each course has been designed and curated by personal finance experts with many years’ experience helping customers within the finance industry to help provide you with practical skills to improve your financial well-being.

Score-Up

Score-Up is artificial intelligence and machine learning-based technology that accurately predicts the best practices for a consumer by analyzing over ten years’ worth of credit data to improve your credit score.

Unlike other credit improvement software, Marble’s Score-Up leaves you with no more guessing on how to improve your score by providing you with a clear and personalized path so you can reach your target credit score. Whereas most ‘free credit score’ providers will allow you to check your score, they often lack the sophistication to tell you exactly how to achieve those extra credit points.


Fast-Track

Marble is one of Canada’s only companies that specialize in exiting consumer proposals—and in a healthy, sustainable way. Our Fast-Track Loan interest rates are 18.99% to 24.99%, rather than up to 40% as some charge. We manage every step of your exit, including legal documentation.

By exiting your consumer proposal, we can get you back to mainstream banking and better credit quicker than other methods. You can pay off your Fast-Track Loan in 24 months, which will allow you to begin your journey to improving your credit score and your overall financial health quicker.

 

How Much Does MyMarble Cost?

To sign-up for MyMarble, it’s completed free. Depending on your financial goals, MyMarble has different freemium and premium items. Here is a breakdown of the optional cost:

MyMarble – Free

Maestro Educational Platform – Free

Score-Up – $29.99

Fast-Track – 18.99% to 24.99%

Score-Up FAQ

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 improvement 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

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 higher 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.

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 300-900, 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 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 improvement 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

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 higher 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.

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 300-900, 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.  

Fast-Track FAQ

What Do I Do If I Have Questions About My Loan?

Contact us either by phone or email, go to the contact us tab for more info.

What is a co­signer?

A co­signer is a person that agrees to join the primary borrower in being responsible for the payment and loan obligation. All co­signers are fully responsible for payment just as the borrower is. You may benefit from using a co­signer if that co­signer strengthens the creditworthiness or ability to pay.

Does my loan have insurance?

Contact us to inquire if your loan has insurance, this is a specific detail that is unique to every loan. We recommend you add insurance as it protects your loan in case of death, loss of income or disability.

What happens if I miss a payment?

We are constantly monitoring our accounts. If you miss a payment expect to get an email from us asking for you to make an immediate payment. We understand that in life things happen. We are here to work with you to resolve and help you catch up so you don’t fall into the same trap as before.

Do I Have To Own A Home To Qualify For The Loan?

No. Our Program Is Designed To Give Loans For both unsecured (no home) and secured (home or other assets) as well as having co­signors assist. We have the most flexible program in Canada all designed to help people improve faster and build a strong financial position.

How do I pay off my loan early?

Contact us to see exactly what your payoff is on your loan. We can prepare a final payout amount and have it sent to you. We encourage our clients to seek early payouts if and when possible. It increases your credit score, gets rid of your monthly payment, and completes your restructuring process.

How do I submit an application?

Click here to start and walk through the steps it prompts you to.

How do I know if I have qualified for the loan?

Once a loan application is submitted online our loans department goes to work right away. Most loans are either issued a term sheet outlining the terms of the loan or our loans offices may contact you because they require more information before making a decision. Our loans are always character based so we are looking for people who are serious about solving their current financial problems and moving on with their life.

Score-Up FAQ

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 improvement 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

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 higher 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.

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 300-900, 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?

Our Score-Up Lite software plan is $29.99 + tax per month. We accept online payments using your credit cards and Visa Debit cards as payment. 

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 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

Fast-Track FAQ

What Do I Do If I Have Questions About My Loan?

Contact us either by phone or email, go to the contact us tab for more info.

What is a co­signer?

A co­signer is a person that agrees to join the primary borrower in being responsible for the payment and loan obligation. All co­signers are fully responsible for payment just as the borrower is. You may benefit from using a co­signer if that co­signer strengthens the creditworthiness or ability to pay.

Does my loan have insurance?

Contact us to inquire if your loan has insurance, this is a specific detail that is unique to every loan. We recommend you add insurance as it protects your loan in case of death, loss of income or disability.

What happens if I miss a payment?

We are constantly monitoring our accounts. If you miss a payment expect to get an email from us asking for you to make an immediate payment. We understand that in life things happen. We are here to work with you to resolve and help you catch up so you don’t fall into the same trap as before.

Do I Have To Own A Home To Qualify For The Loan?

No. Our Program Is Designed To Give Loans For both unsecured (no home) and secured (home or other assets) as well as having co­signors assist. We have the most flexible program in Canada all designed to help people improve faster and build a strong financial position.

How do I pay off my loan early?

Contact us to see exactly what your payoff is on your loan. We can prepare a final payout amount and have it sent to you. We encourage our clients to seek early payouts if and when possible. It increases your credit score, gets rid of your monthly payment, and completes your restructuring process.

How do I submit an application?

Click here to start and walk through the steps it prompts you to.

How do I know if I have qualified for the loan?

Once a loan application is submitted online our loans department goes to work right away. Most loans are either issued a term sheet outlining the terms of the loan or our loans offices may contact you because they require more information before making a decision. Our loans are always character based so we are looking for people who are serious about solving their current financial problems and moving on with their life.

Still have a question?

Send us a message

Fast-Track Loan
Score-Up
Technical
Investor Relations
Other

Talk to a Marble Expert

Sometimes you need a little help from your friends.
Or a Marble Expert. Don’t worry… we’re here for you.

1-855-661-2390

416-479-9585

Talk to a Marble Expert

Sometimes you need a little help from your friends.
Or a Marble Expert. Don’t worry… we’re here for you.

1-855-661-2390

416-479-9585

Send us a message

Fast-Track Loan
Score-Up
Technical
Investor Relations
Other