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It takes time to add positive information to your credit report, so don't expect it to happen overnight, or even in a few weeks.You can help the process by being financially responsible and patient with the process.You need open, active, positive accounts to build a positive credit history.If you don’t already have open accounts, start by applying for the types of credit cards or loans for people with no credit or bad credit, like a secured credit card or retail store credit card.Every month or so, the credit card issuers and lenders you have accounts with send accounts updates to credit bureaus.They tell the credit bureaus your current balance, payment history, and other details about your accounts.To correct credit report errors, you need to send a dispute letter to the credit bureaus citing the error and providing a copy of any proof that shows the information is indeed incorrect.Not all the bills you pay each month get reported to credit bureaus regularly.
Order a copy of your credit report from both Equifax Canada and Trans Union Canada.You can’t directly add things to your credit report, even if they're bills you actually pay each month. Creditors you have accounts with with may report your credit history to one or all three of the bureaus based on their existing relationship with that bureau.Instead, you must depend on your creditors and lenders to send updates to the credit bureaus based on your account history. Bureaus don’t share information with each other under normal circumstances, so there’s a chance some of your accounts may only appear on one credit report.If your credit report contains negative accounts that should be positive, you can use the credit report dispute process to have the information corrected.For example, your credit report may show that you were late on a payment that you’re certain you paid on time.