- Download Borrowell and Credit Karma to check your scores
- Request your official credit reports from Equifax and TransUnion (for free) to find and dispute any errors using those 2 links :
- Equifax: https://www.equifax.ca/personal/products/equifax-consumer-credit-report
- TransUnion: https://secure-ocs.transunion.ca/secureocs/home.html
- Set up bi-monthly automated payments for your credit cards to ensure on-time payments and lower your utilization ratio.
- Get a Neo Secured card using the link below to get your $60 bonus and make sure to pay it on time : https://get.neofinancial.com/secured-credit/?&utm_term=secured&utm_medium=external_content&utm_source=moose_money&nf_cv=M00SE60&brand=generic&product=neo_secured_credit
- Use an avalanche calculator to map out a concrete debt elimination plan and add your debt free day to your calendar : https://www.moosemoney.com/debt-repayment-calculator-avalanche/
- Ask your current credit card providers for a limit increase to improve your utilization ratio, but only if they use a "soft pull" credit check.
