Newcomers to Canada: This is how to safely build credit

Q: We have been hosting a Ukrainian family in our rental suite for about two years and they have become like family to us. Recently, they decided to stay in Canada permanently. Until now, credit hasn’t been an issue, but now we are helping them establish themselves and put down roots financially. We thought that changing one of the utility bills into their name would be a good start, even if we help them pay for it. But then a friend said that utility bills don’t count toward a credi