How we check our numbers

Money numbers change. Rates move, limits reset each January, and programs end. So every figure on this site follows the same rules.

• Each number on a page has a source. Where possible it is the government or regulator that publishes it, such as the Canada Revenue Agency, the Financial Consumer Agency of Canada, Statistics Canada or the Bank of Canada.
• Each page shows the date we last checked it.
• We re-check numbers on a set schedule. Rates and benefit amounts are checked monthly. Annual limits are checked each January and again if the government announces a change.
• When a program ends, we say so on the page. We do not leave old numbers up.
• When two sources disagree, we use the primary table or the government page and say so.

• We open the official page, such as the CRA, FCAC, a provincial government or the regulator, and read the number there.
• We write the number with the page name and the date that page was last changed.
• We add the date we read it. That is the date at the top of each guide.
• On the 1st of every month we re-check what changes often, such as rates, benefit amounts and payment dates.
• A script lists every page that has not been re-checked in 31 days, so nothing is skipped.

If we cannot confirm a number from an official page, we say so on the page and link the latest official update. For example, the wage garnishment guide says we could not find a readable figure for Alberta, and the NSF guide says the pages we read do not mention credit unions.

We found and fixed these in November 2026. Each one is in the corrections log with the date.

• A page called the new $10 limit an overdraft cap. It is a cap on NSF fees, so we changed the title and explained overdraft protection separately.
• A page said NSF fees could reach $50. The FCAC says they were typically $45 to $48, so we changed it.
• Our R-rating page gave day ranges that did not match TransUnion's own table, so we replaced them with TransUnion's table and noted that Equifax may differ.
• Our file for AI assistants said the site is not paid to recommend any product. The site uses affiliate links, so we replaced that line with a link to how the site makes money.

• We do not give personal financial, legal or tax advice.
• We do not guess. If we could not confirm a number, we leave it out or say it is not confirmed.
• We do not let a company pay to change a number or a ranking.

Email hello@whatiscredit.ca with the page and what looks wrong. If it is a mistake, we fix it and add it to the corrections log.

• Corrections log
• Editorial policy
• How we make money