Chapter 3. Improving Your Score—The Right Way

Okay, now you know your score, and you have a good idea of what goes into creating it. So, how do you make it better?

Step 1: Start with Your Credit Report

Because your credit score is based on your credit report, you should begin by ordering your reports from all three credit bureaus and reviewing each one for accuracy. You can get your reports from a service such as, or order from each bureau separately online or by phone:



Trans Union




Canadians can also get their credit reports online:

Equifax Canada

(click on the “Canada” link)

Trans Union Canada

Northern Credit Bureaus, ...

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