Here are some things to consider doing. Some items may not be applicable to you.


If you want to improve your credit rating:

  • Live at the same address for at least 2-5 years
  • Stay at the same job for at least 2-5 years
  • Stay in the same profession/field for at least 2-5 years
  • Avoid using a finance company
  • Use retail cards and bank cards
  • Make payments on a bank card, etc. on time
  • Avoid having too much credit available, e.g., don't always pay off balances


  • Check your credit reports


  1. On June 5th, 2011, Rashad S. said:

    Thanks for a really interesting read, learn quite a few tips here, trying hard to improve my credit , i did a consumer proposal 7 years ago and just now i am starting to rebuild my credit slowly but surely and trying to avoid that credit card trap.

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