Help Hub

Help Hub

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.

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