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NewsMacro

Money Mart survey: 84% of Canadians know their credit drivers, yet improvement remains elusive

A national survey released July 14 by Money Mart, a Toronto-based alternative financial services provider, found that 84% of Canadians say they understand what factors affect their credit. The awareness number is high. The harder finding sits just below it: many of those same respondents described improving their credit as challenging, pointing to a gap between knowledge and execution that the survey treats as its central concern.

By Grant HalloranMacro DeskJuly 17, 20262 min read
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Key takeaways

  • A national Money Mart survey released July 14 found that 84% of Canadians say they understand what factors affect their credit.
  • Despite that awareness, many respondents described improving their credit as challenging, revealing a gap between knowledge and execution.
  • The survey identifies the distance between comprehension and actual score movement—not the 84% figure itself—as its central concern.
  • The survey found a mismatch between the guidance channels Canadians currently use and the sources the data found most effective, though the release does not name those channels.
  • Complete findings have not yet been published, with the full data release from Money Mart identified as the next confirmable step.

A national survey released July 14 by Money Mart, a Toronto-based alternative financial services provider, found that 84% of Canadians say they understand what factors affect their credit. The awareness number is high. The harder finding sits just below it: many of those same respondents described improving their credit as challenging, pointing to a gap between knowledge and execution that the survey treats as its central concern.

The knowing-doing split

High awareness has not cleared the path. Money Mart's national data captures Canadians who can name the inputs to their credit profile but have not turned that understanding into actual score movement. That is a different problem than ignorance, and it points to friction in the system rather than a shortage of information. The survey frames the distance between comprehension and execution as the meaningful signal, not the 84% figure alone.

The guidance disconnect

The survey also surfaces a sourcing problem. Canadians are seeking financial guidance, but the channels they currently use are out of step with the sources the data found most effective. Money Mart flagged this mismatch as a key finding in the national results. The release does not identify the specific channels on either side of the gap. That detail is the part worth watching.

What to watch

Complete findings have not been published. The next confirmable step is the full data release from Money Mart, which would identify where the preferred guidance channels fall short and confirm whether the 84% awareness figure holds across different age groups and regions.

Related reading

About this story

Filed by the macro desk of MarketPR on July 17, 2026. Source: prnewswire.com. Indicative figures are not investment advice.

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Frequently asked

What did the Money Mart survey find about Canadians' credit awareness?

It found that 84% of Canadians say they understand what factors affect their credit, though many still describe improving their credit as challenging.

Who conducted the survey and when was it released?

Money Mart, a Toronto-based alternative financial services provider, released the national survey on July 14.

What is the 'knowing-doing split' the survey describes?

It refers to Canadians who can name the inputs to their credit profile but have not turned that understanding into actual credit score movement, pointing to friction in the system rather than a lack of information.

What is the guidance disconnect identified in the survey?

Canadians are seeking financial guidance through channels that are out of step with the sources the data found most effective, though the release does not identify the specific channels involved.

What information is still missing from the survey?

The complete findings have not been published; the full data release would identify where preferred guidance channels fall short and confirm whether the 84% figure holds across different age groups and regions.