Step 2 – Open a retail account

Everyone buys clothes at some point in their lives, so make it work in your favour! Opening an easily manageable account at a retail store is very quick and easy, and the record of your payments will contribute to your credit score. If you want to purchase a cellphone...

Step 1 – Apply for a basic credit card

Getting an entry-level credit card is a good start, as it can offer you a small line of credit while giving you the ability to showcase how well you pay back your debts. It’s important to keep your limit to where you can afford to pay back the money at the end...

Topic 3: Spotting Incorrect Inquiries

Step 1 Under inquiries, check that all businesses that have done a hard inquiry on your credit history have been requested to do so. While inquires may seem harmless, hard inquiries, especially ones that have resulted in a line of credit being rejected, can cause your...

Topic 2: Mistakes in Your Accounts & Records

You want to be confident the details listed in your credit history are correct, while we don’t want to sound like a stuck record, this is because it directly affects your credit score! If you find mistakes on the accounts and records shown on your credit report,...

Topic 1: Mistakes in Your Basic Details

Step 1 – Review your credit report’s basic details: Start by reviewing your credit report from all three credit bureaus (Equifax, Experian, and TransUnion). Look for any mistakes or inaccuracies in your personal information, such as your name, address and...