What is the MyMarble Dashboard?
MyMarble is an artificially intelligent and data-driven financial technology platform that allows you to track your spending habits, monitor your credit score, manage your debt payments and improve your financial fitness. In addition, MyMarble provides you with personalized recommendations and insights on specific actions you can take to help you put your financial fitness first.
Depending on your financial goals, MyMarble has a plan that will suit you and your lifestyle. Once you pick a plan and securely connect your bank account, MyMarble empowers you to follow a step-by-step financial fitness plan and recommends specific ways you can improve your bottom line. After signing up for MyMarble, you will also have access to our Maestro Educational Courses, to help take your financial fitness to the next level.
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 MyMarble plans can I choose from?
Whether you are just beginning to train your financial fitness, or you are already a money master, MyMarble has a plan to suit your financial goals. Our MyMarble Plans build as you grow! You can choose from our Freemium, Basic, Pro and Premium options. Each plan includes your credit score and summary, budget analysis, credit and banking insights, and access to Maestro Financial Literacy courses. Our MyMarble plans start monthly, but you can sign up for 3 months to save 10%, for 6 months to save 15% or yearly to save 25%! You can find out more about our pricing plans at mymarble.ca/pricing.
Freemium – $FREE
Let’s say you’re just curious and looking to build the foundations of financial fitness. This is the plan for you. The Freemium Plan provides you with Beginner Recommendations to help you understand the basics of your finances and how you can best utilize MyMarble.
Basic – $9.99 per month
The Basic plan is here for you when you’re ready to achieve your financial goals and really get your finances in order. This is a level-up from our Beginner plan and includes our Intermediate Recommendations, which dig a little deeper into your finances and provide you with more in-depth recommendations on what your next steps are to improve your financial fitness.
Pro – $19.99 per month
Are you looking to further grow your financial knowledge and wanting a little extra push to reach your goals? It’s time to go Pro! Including all the features in our other plans, the Pro Plan provides you with Advanced Recommendations, which are even more detailed, prescriptive, personalized, and target-driven recommendations on what steps to take to increase your credit score and improve your financial wellness.
Premium – $29.99 per month
Our Premium Plan helps you to thrive in your financial fitness, allowing you to reach and broaden your goals in the fastest possible way. This plan includes all of our Beginner, Intermediate and Advanced recommendations to make sure you don’t miss a trick when you are striving to master your finances.
MyMarble Premium provides you with access to Score-Up, our financial technology solution that will help you increase your credit score, through point deduction technology. Our leading proprietary technology allows you to work towards your desired credit score, within your budget, by allowing you to create a target credit score based on your financial plans and credit history.
By utilizing our Point Deduction technology and our Target Score and Budget Simulators, our software analyzes your credit report to create a fast and clear path to build your credit score. You can follow our real-time recommendations to make a positive impact on your credit score, giving you confidence for future financial events, all within your budget. In addition, Score-Up provides you with access to your credit report and allows you to track for errors and omissions.
I signed up for Score-Up last year. Is it different now?
Kind of! Our Score-Up technology is now included in our MyMarble Dashboard Premium Plan. So not only can you access Score-Up’s powerful point deduction technology, but you now have access to all the awesome features included in the MyMarble Dashboard, too.
How does MyMarble work?
The first step to beginning your journey with MyMarble is to sign-up, choose a pricing plan that suits you and connect your primary bank account. You will then gain access to an overview of your monthly spending habits, trends and your credit score. Our artificial intelligence and data-driven technology will analyze your personal banking data to provide you with specific recommendations on how you can improve your bottom line. You can view the breakdown of how you are spending your income, and how much of it you are spending on your fixed expenses, flexible expenses and debt payments.
What are the benefits of MyMarble?
The MyMarble Dashboard provides many benefits to ensure you reach your financial goals. Through our data-driven financial technology, MyMarble analyzes your connected bank account to provide you with recommendations on ways you can better your budget, pay down debt faster and improve your credit score. Depending on your plan, MyMarble will provide you with different levels of personalized recommendations on how you can improve your financial fitness.
Tracking Your Spending Habits & Trends
With MyMarble, you can track your spending habits and trends, to discover ways you can improve your budget and better utilize your income. The MyMarble Dashboard allows you to visualize your spending month-to-month on a graph, and to keep track of your historical spending data, helping you monitor your budget improvements.
Monitoring Your Credit Score
Keeping track of your credit score is now easier than ever with MyMarble. The Dashboard provides you with your monthly credit score, helping you follow your journey in achieving your target credit score.
Personalized Insights and Recommendations
Are you looking to get out of debt, improve your credit score or become financially responsible? Well, included in whichever MyMarble Plan you choose, our software will provide you with personalized recommendations on better ways you can spend your income to help you reach your goals.
What solutions does MyMarble offer?
Maestro Financial Education Platform
Financial literacy is important. That’s why our Maestro Finacial Education Platform is now included in every MyMarble Plan.
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.
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.
Fast-Track Loan – 18.99% to 24.99%
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.
Score-Up – Included With MyMarble Premium
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. Score-Up is now included in the cost of the MyMarble Premium Plan.
Unlike other credit improvement software, 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.
How does MyMarble Premium’s Score-Up work?
Score-Up is now included with MyMarble Premium. The faster you improve your credit score, the sooner your financial goals become a reality. Score-Up provides you with access to our proprietary credit improvement technology. With Score-Up, there is no more guessing on how you to improve your credit score. You will be able to take advantage of Score-Up’s point deduction technology, target score simulator, budget simulator and the credit report errors and omissions trackers.
Score-Up 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.
How does MyMarble Premium’s Score-Up help me qualify for lower interest rates?
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 MyMarble Premium’s simulators, it will ensure you are effectively paying off 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.
Why is my credit score so 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 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 MyMarble Premium’s Score-Up cost?
Our Score-Up software plan is included in our MyMarble Premium platform at $29.99 + tax per month. We accept online payments using your credit card and visa debit card. In addition, we can take payments by automatic withdrawal through direct debit, too.
If I am already a Marble Fast-Track loan customer, can I still use MyMarble Premium’s 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 will my score increase by when using MyMarble Premium’s Score-Up?
This all depends on how you utilize MyMarble Premium’s 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 see an increase in my score?
While using MyMarble Premium’s 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 Score-Up.
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.