When looking to build your credit, it is often advisable to request a copy of your credit report as an effective first step. Once you have a good understanding of your financial situation and how potential lenders would view you, it will help you understand how much you need to improve upon it. If you need some assistance, licensed insolvency trustees like A Miller & Associates are available in the Toronto are Scarborough areas. Seeing the credit report for yourself may also lead you to notice some errors and try to have them corrected.