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How do I improve my credit rating?

You can improve your personal credit rating by paying all of your bills on time and lowering your debt ratio.  Your credit rating can increase if you keep your account balances below 75% of your authorized limit.

Other factors such as running your balance up to the credit limit, making late payments, or having your account sent to a collection agency, will have a negative impact on your credit rating.  Avoid applying for too many credit cards in a short period of time, as it could be interpreted as a sign you are seeking credit.

To find out more about your personal credit rating, contact Equifax or TransUnion by phone, or through the web.

Equifax:  www.equifax.ca
(514) 493-2314 or 1-800-465-7166 / For all Canadian residents

TransUnion Canada:  www.transunion.ca
(800) 663-9980 / For English speaking residents across Canada except Quebec
(877) 713-3393 / For English speaking residents of Quebec, and French speaking residents across Canada

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