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?
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 MyFico.com, or order from each bureau separately online or by phone:
Canadians can also get their credit reports online: