Hi guys, we landed in April's end, got 2 CCs one for me and one for my wife through RBC with 2K limit on each. We are actively using them (careful not to go over 35% utilization, so using debit for large transactions), and paying them on time. Also have a contract with Rogers and Shaw for Cell, Internet and Cable services - which I am paying all in full on time. I have tried to google, but cant find any further information, on the nuances of the credit history algorithms.. I want to know what other actions we can do, to maximize our credit history building to reach 750+? How we do that? I am starting to work in 4 days in a Permanent, Full Time position so after 3 months, technically I'd be eligible for mortgage. I am looking to understand further how the system works, should I get 1 more credit card? a loan? Is there some calculator or simulator to do different actions and see what credit scores it results for, and that way figure out what actions to do next? Thanks!