Marble Launches New Partnership With Citadel Mortgages Offering Its Credit Rebuilding Products Score-Up And Fast-Track

Marble Launches New Partnership With Citadel Mortgages Offering Its Credit Rebuilding Products Score-Up And Fast-Track

Vancouver, B.C, June 17, 2020 – Marble Financial Inc. (CSE: MRBL; OTCQB: MRBLF) (“Marble” or the “Company”) a financial technology company that empowers Canadians’ toward a positive financial future, is pleased to announce its strategic partnership with Citadel Mortgages, offering their customers, Marble’s proprietary credit rebuilding products, Score-Up and Fast-Track. 

Marble, a leader in financial technology solutions, is partnering with Citadel Mortgages, one of the largest full- service Mortgage Brokerages with professional Mortgage Agents & Mortgage Brokers servicing all of the Greater Toronto Area and surrounding communities of Ontario, Canada. The introduction of Score-Up and Fast-Track to Citadel’s existing and ongoing customer base presents a new growth channel of opportunity to empower more underserved Canadians in becoming financially competent and mortgage- free sooner.  

Due to the economic impact of the COVID-19 Pandemic and a forecasted real estate price decline, the Canadian Mortgage and Housing Corporation (CMHC) recently announced changes to its mortgage insurance resulting in stricter lending practices. The new minimum credit scores will be 680, up from 600 and with recent data from Equifax showing that just 14% of the total mortgage market rank above that threshold. This data presents the likelihood of a definite trend towards tighter lending criteria and broadened requirements.  Full-service mortgage providers such as Citadel, who offer a suite of programs and services that assist clients with their financial goals can further enable Canadian’s below these thresholds to take control of their credit circumstances towards a more positive financial future with Marble’s credit rebuilding solutions.  

This partnership will utilize Citadel’s host of resources and tools to help identify users who currently do not qualify for a Citadel Mortgage plan due to poor credit or active consumer proposals. Marble can now reach a new demographic of Canadians needing to actively rebuild their credit score to achieve the financial goal of purchasing a new home or becoming mortgage-free sooner. The inclusion of Marble’s Score-Up and Fast-Track products to Citadel Mortgages will enable Canadians to positively impact their credit standing and present additional opportunities to qualify for other Citadel Mortgage products in the future. 

“As a Mortgage Brokerage, we have always taken great pride and care in ensuring that we meet and exceed all of our client needs”, says Citadel Mortgages CEO, Tristan Kirk. “A key element in this commitment has been to have in-depth conversations with clients about credit, how it works in general and with respect to their individual situation. In some instances, this also leads to conversations on how they can increase their score as well improve their overall creditworthiness to be a more attractive borrower in any lending situation. To enhance our already solid foundation in client credit guidance we have partnered with Marble Financial Inc, who have developed tools which is a clean, easy to navigate consumer-facing web-based solution which helps to deliver education to consumers, the majority of which have little to no knowledge of how credit and credit scores work. The tool provides practical steps to guide all buyers; especially first-time home buyers to ensure their credit is in proper standing so that we can help them realize their dream of homeownership.” 

“We at Citadel Mortgages remain with you during your home journey and Marble Financial enhances the process of putting all clients on the right path. It also allows us as an organization to have another avenue for future client engagement thereby ensuring that we are building deep rooted relationships given this and other value-added services that we provide. We are very excited about what the future holds with this new partnership.” continues Tristan Kirk. 

“When purchasing a home, lenders see the credit score as an indication of the prospective home buyer’s credit worthiness and level of financial responsibility. The credit score often becomes the most significant criteria for the lender to determine how risky it is to lend to a specific home buyer. So, for most Canadians, the credit score ends up being the difference between getting an approval for a mortgage or getting an outright decline,” says Karim Nanji, CEO of Marble. “In many other cases where an approval is granted, the credit score impacts the rate and terms of the mortgage – meaning that a higher credit score reflects a lower interest rate and/or more flexible payment term. Low or poor credit scores more than often marginalize many Canadians from the home buying process.” 

“Partnering with Citadel Mortgages provides a fantastic opportunity for Marble to engage in the home buying process with Canadians who do not qualify for a mortgage because of poor credit or an active insolvency. Citadel is one of the largest full-service Mortgage Brokerages in Ontario with a solid reputation and this partnership provides a channel to reach a new demographic of Canadians that can benefit from Marble’s financial and credit wellness solutions.” 


Karim Nanji, CEO  

About Citadel Mortgages. Citadel Mortgages is one of the largest full-service Mortgage Brokerages with professional Mortgage Agents & Mortgage Brokers servicing all of GTA, Toronto, and Ontario Canada. We are changing the way mortgages are being done by providing our clients with sound advice and products to help our clients become mortgage-free sooner while enhancing their quality of life through partner services. 

For more information please visit:  

About Marble Financial Inc. (CSE: MRBL; OTCQB: MRBLF) Marble leverages its proven data driven strategies utilizing the power of machine learning, data science, and artificial intelligence, through its industry-leading proprietary technology solutions Fast-Track, Score-Up, and Credit-Meds to engage in and navigate a clear path for Canadians towards financial wellbeing and a meaningful credit score. Since 2016, Marble is proud to have empowered thousands of marginalized Canadians to a positive financial future, and we continue to establish ourselves as leaders in financial wellness through the licensing of our proprietary products on the Marble Platform.  

For further information, please visit the company’s website at  

Mike Marrandino,
Executive Chairman
T:(855) 661-2390 ext. 104

More on this partnership can be found here.

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  1. In order to receive upto 1,000 Miles you must be a registered and provide a valid AIR MILES Collector Number to the Citadel Mortgage agent at the time of application; your mortgage must close and fund with Citadel Morttgages. Miles will be credited to your Collector Account within 30 days after all conditions have been met.

2. All rewards are offered subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees and taxes on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise Rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Co. makes no representations or warranties, express or implied. For complete details, see current Program Terms and Conditions, available at or the AIR MILES Customer Care Centre at 1-888 AIR MILES (or in Toronto call 416-226-5171).

3. Use Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of 95 Cash Miles for $10 towards purchases at participating AIR MILES Partner locations and online at in increments of 95 Cash Miles for every $10 value from participating Reward Partners to a maximum of $750 per day. eVouchers can be used at participating Reward Partners’ locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit to learn more. You must have accumulated sufficient Cash Miles in your Collector Account in order to use Miles towards in-store purchases and eVouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit

4. A short haul flight is a return flight with origin and destination within the same flight zone having a departure date during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15.

5. Flight examples shown are for illustrative purposes only. Examples represent the number of AIR MILES Reward Miles required during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15. The required number of Miles is determined by the departure date. Miles required are the “starting from” rates for round-trip travel in economy class per traveller.

6. Mortgage applications are subject to meeting Citadel Mortgages and our lenders usual credit criteria.

7. All mortgages must close and fund with Citadel Mortgages, this offer is vaiild with any new or renewal mortgage and offer can change at any time without notice.

8. AIR MILES® Bonus Miles are suject to a closed mortgage that fund with Citadel Mortgages. The AIR MILES® Bonus Miles will be added to the account 30 days after mortgage closes,.

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