Understanding everyday credit habits
Separate a useful credit habit from a promise about a score.
- 01
Pay attention to payment dates
- 02
Review your information
- 03
Avoid score guarantees
Pay attention to payment dates
Payment history matters to your credit profile. Keep track of due dates and contact the lender if you expect difficulty making a payment.
Review your information
Review your credit report for information you do not recognize and follow the credit bureau's process to dispute errors.
Avoid score guarantees
Scoring methods vary. No article or service can promise a particular increase from one action.
Your take-away checklist
- List payment due dates.
- Review your credit report.
- Record questions for the lender or bureau.
Print this page or copy the checklist to your own notes; no personal information is required.
Further reading & source
Financial Consumer Agency of Canada — Improving your credit scoreThis is an educational summary. The Vietnamese text is not an official Government of Canada translation.
General education, not individual financial, tax, legal or insurance advice. Examples are illustrative.