Credit and Credit Scores: A short lesson

[kvp]

Great thread, I have a few questions;

i) any free credit reports for Canadians?

ii) I have ONE late CC payment that I did not notice until recently. I have a TD Green ($3k limit) and TD Gold ($10kish). I had a balance on both one month and made one payment towards each. I did this at the bank and the teller made a mistake, she put TWO payments towards one Visa when it should have gone to each one. It's also my mistake for not checking, but how bad is this? Can this be disputed and what is the latest I can dispute this? What should I say?

iii) I had an issue with my Gold Visa where they blocked it, someone stole my number and tried to make a purchase in England or something. Visa let me know, blocked my card, and sent me a new one. But I forgot to move my cell phone payments to a different Visa so had late cell phone payments, does this hurt me?

iv) If I do something like take out a line of credit at a bank, take out cash then put it back in a few weeks and pay little interest, does this help build my credit?

Thanks to anyone that can help answer these.