CRA and Taxes in Canada – TFSA, RRSP, Filing, Deadlines (2026)
CRA (Canada Revenue Agency) manages federal taxes in Canada, with a tax year running from January 1 to December 31 and specific deadlines for filing and payment.
Work and Finances – Canada
Credit score in Canada – Equifax, TransUnion, how to build without history (2026)
Credit score in Canada: 300-900, managed by Equifax and TransUnion (2 bureaus, similar to the USA). Good: 660+. Very good: 720+. Excellent: 760+. Required for: loans, mortgages, rentals, some jobs. Polish immigrants start with a null score – key building strategy: secured credit card (deposit $200-500), Canadian bank account, phone plan in their name, regular utility payments (sometimes reported). Impact on score: payment history (35%), credit utilization (30%), length of credit history (15%), credit mix (10%), new credit applications (10%). FREE check: Borrowell, Credit Karma Canada, Equifax monthly tools. Dispute errors online. NEW from PR: Newcomer credit programs from banks (RBC, Scotiabank, TD) – special secured cards + no fees first year + credit building support.
Working in Toronto – job market, salaries, professions, how to search (2026)
Toronto is Canada's largest city (~6.5M metro) and economic center, with a Polish community of ~250k and popular sectors for Poles including construction, transportation (truck driver), healthcare, finance, IT, and restaurants, with average salaries in 2026 ranging from minimum wage ON $17.20/h to ~$65-75k CAD for full-time jobs.