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Building a Strong Credit History
Repairing Your Credit
What is a credit history?
Why is it important?
A good credit history and corresponding credit rating show your ability to repay any money you have borrowed on time. One or more missed or late payments can result in a bad credit history, affecting your credit rating, and making it difficult for you to borrow money in the future.
It is important to know what your credit report says (i.e. the report of your credit history). If you need a copy of your credit report, you can contact Equifax or TransUnion, the two main credit reporting agencies (also known as Credit Bureaus). These credit reporting agencies maintain a record of your credit history.
1 See the applicable Cardholder Agreement for information on fraud and unauthorized transactions.
Other identification may be acceptable or required.
TD has a range of credit card products to help meet your needs. Choose from a number of reward programs on select TD Credit Cards, such as cash back and travel rewards.
From travel rewards and cash back to low interest rate credit cards, TD has a number of credit card options to help meet your needs. Find the right one for you.