How To Adult

*Please note that this is a sponsored post – our disclosure can be found at all times by clicking here.

As you may have noticed, 2017 has been a busy year for me both personally and professionally. The most important thing that I have learned is that it takes time to achieve the things I want in life. One of those big factors, be it finding a new home or planning to adopt a baby, is my credit score. I’ve always worried about it being too low, I even looked up loan rates with a credit score of 640 to 670 just in case I would need it. After all, more and more things you may want to do in life may be put off or be made impossible due to your credit score, which is not ideal and can be extremely frustrating. For example, if you’re looking to rent a house or apartment, it is likely that the landlord will run a tenant credit check, perhaps using services similar to what’s available at The good news is that it’s not impossible to get something if you have a low credit score. But obviously it’s a lot better to have a high score.

For a long time, I was like many of you: I didn’t want to talk about money or budgets. But as I’ve grown-up, I am becoming more comfortable with the idea that good things take time. This is why I am excited to announce our partnership with Capital One Canada to share their new Credit Keeper™ ® tool, which allows me to track and watch my credit score improve. Knowledge is power, and Capital One customers are now more empowered than ever to take control of their financial goals.

So, what exactly is Credit Keeper? It’s an online tool that allows Capital One Canada customers to see their credit score in nearly real-time. For someone like myself, who is in the process of planning big steps, it’s a necessary tool for me to understand where I stand financially while building credit. I knew building credit would be difficult but I didn’t think it would be so hard. I’ve found that you can use Credit Cards to Build Credit and make sure all your bills are paid on time. These are the two keys to a successful credit score as it shows that you are responsible with your finances. Plus, if you’ve had a chequered financial past and don’t have the best credit score then this tool will allow you to see if the things you’re doing to improve it are working or not. If you’re slowly paying back a payday loan thanks to payday loan relief then you’ll be able to see the credit score slowly improve. If you’re spending more money than you’re getting monthly then you’ll see it go down. It may seem like common sense stuff but it feels good seeing that what you’re doing is working.

Why is it important to know your credit score? Well, over the next few months I will take you along on my journey with Capital One Canada to share my score and what it means for my future. I will reveal how I am working towards increasing my score and the likelihood of achieving my goals sooner by being a Capital One cardholder. I’ve checked my score and can’t wait to share more about what I have learned about myself!

For more information on Credit Keeper and planning your future, make sure to check out

Of course, I encourage you to join the social media conversation while learning more about your credit options by following @CapitalOneCA on Twitter and Instagram, and @CapitalOneCanada on Facebook. For more behind the scenes information and other amazing brands we are working with globally, make sure to follow along with the #DoTheDaniel Instagram account. We would love to have you join us on our adventures!

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Photos: All social media accounts listed above, Capital One Canada & Daniel Reyes


Daniel Reyes

Mobile photos are always taken on my NEW Huawei P10 Plus

* Credit Keeper is a service offered by Capital One and is powered by credit history and score information provided by TransUnion. Availability may vary depending on the ability to verify your identity and obtain your information from TransUnion. The credit score provided by Credit Keeper is intended for your educational use only. Lenders and other commercial users may use a different type of credit score and other information when making credit decisions. Currently, Credit Keeper isn’t available for Capital One customers who live in the province of Quebec, or who have a Capital One Mastercard exclusively for Costco members.