We show insights throughout your ClearScore. The insights within your credit report show you what could be impacting your score. Understanding these insights will help you improve your score.
Check out your insights
Check what is affecting your credit score. Some of these insights have actions and tips on how to improve. Other insights tell you what you're doing well.
Manage your debt responsibly
Pay on time and in full, and keep your credit use as low as you can. Providers will see you're able to manage your finances sensibly and aren't relying on credit alone.
Build your credit history, if you don't have one
The easiest way to build your history and score is by getting, using, and paying off a credit card. Try to spend a small amount every month and pay it back in full by setting up a pre-authorized debit.
Keep your information up to date
If there's something that doesn't look right or is missing from your report, you'll need to get this fixed. Try getting in touch with the bank, lender, and municipal government (if you haven't done this already). You can then contact TransUnion directly:
secure-ocs.transunion.ca/secureocs/home.html
Get credit healthy
Protect, improve, and grow by activating your Credit Health. This helps you get a fuller picture of how lenders see you, stay safe online and improve your score. In 3 easy steps, you can see more insights on how to shape up your finances.