I provide my clients with a simple formula to build their scores:
1. Pay all existing bills on time
2. Pay more than minimum on credit cards - preferably the full balance each month
3. Develop a relationship with a credit union - they're more flexible than a bank and might be needed
4. Develop two trade lines - a credit card and a loan for a RRSP or GIC (forced savings)
5. Avoid having your score pulled up too often
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