How do fix your credit in Canada?

Question

1) I understand that pay stuff on time very important
2) I know need have at least $15,000 to get Capital One card
3) Is it important what rate (%) on credit card for your 1st card?
4) Is it true that you should keep the 1st credit card for a long time?
5) What other ways besides buying a car can get credit?
6) Does overdraft protection on your bank acount help with credit?
7) I know about the Trans X credit check stuff once a year. There's an other one, but what that called?
8)Is it true that it doesn't help pay past due stuff? and How long do you have to wait is 5years in Canada or 7 years plus couple to truly clear it???
9) I understand that using dept store cards maybe my best bet, which has the best rate % ???

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I want serious HELP!!! I really want to fix it as fast a possible!!!

Answer 1

equifax is the other one besides trans union ...credit card history usually takes about a year till its reported .creditors look at how long the account has been opened and your ratting. no !over draft does not help with your credit card ....if I can remember correct I believe its the same as bankruptcy 7 yrs ...department store credit cards and regular credit cards both show on your report ...if you have a cellular phone with rogers it will show as well your payment history , as they report it ...bell does not ...unless you get cancelled for non pay then they just do derog reports only
Get a copy of your credit bureo ...it makes it easier for you to understand . mailing for it is free and I oaid around 20 to get it online faster at trans union canada...It also breaks down your credit ratting for you so you know where you stand ....I had incorrect info reported on my car payment !!! my car was paid of over three years and finance company had never closed it ...if I did not check I would not of known of their error