Tips to improve a Canadian credit score include always paying bills on time, paying bills in full by the due date, paying debts as quickly as possible and keeping credit card balances below the limit, according to the Financial Consumer Agency of Canada. Keep the number of credit applications down.
A credit score may be low because a Canadian does not have a credit history, according to the Financial Consumer Agency of Canada. Build a credit history by using a credit card so that there is a record of borrowing money and paying it back. The payment of utility bills is not included in a Canadian credit report, but some cell phone companies may report late payments to the credit bureaus, affecting the credit score. If bills cannot be paid in full by the due date, at least the required minimum amount should be paid as shown on the statement.
If many credit applications are made and too many lenders are asking about a person's credit in a short period of time, the credit score can be negatively affected, according to the Financial Consumer Agency of Canada. Scores do not change if an individual is asking about his own credit report. For the highest credit score, use under 30 percent of available credit, according to Credit Canada Debt Solutions.