totse.com | Do MOST of you have good credit?

270341 · #1 2008-09-23, 21:35

I do. ...was was was in the 700s until I financed my 06 car......then came down and back up now........I got many credit tips....

Bckpckr · #2 2008-09-24, 00:21

Terrible credit. About a week after turning eighteen I checked out library books worth around $200.00 total, never turned them in. Forgot all about it until I started a bank account last year, then overdrew that by $37.00 which multiplied into $429.00 and now is in the hands of Boulder Credit Services, who have yet to contact me.

So for the time being I'm cashing my checks at Wal-Mart and stashing ridiculous amounts of money around the house at times.

almightyares · #3 2008-09-24, 03:16

I have many lines of credit available...I have almost $200,000 in available credit.

Also, 700's is good, but nothing special. Average is between 650-700.

270341 · #4 2008-09-24, 04:12

Quote:

Originally Posted by almightyares View Post

I have many lines of credit available...I have almost $200,000 in available credit.

Also, 700's is good, but nothing special. Average is between 650-700.

Well I take it you have a full time Job then.....

SomeLowLife · #5 2008-09-24, 05:15

I have no credit, nor bank account.

HektikNinja · #6 2008-10-03, 02:29

19 years old, last time I checked credit score was 653. Not to bad. I keep about 1000 in checking and rest in savings. Pay all my bills on time, and even have a student loan for about 30,000 bucks. Just pay everything on time and it will stay okay for me.

5MOK420 · #7 2008-10-03, 18:13

hahahaahahahahahahahahhahahaha no not at all, i believe im now 600 in debt and havent made a payment in about 6 months. hope that grant comes through soon

5MOK420 · #8 2008-10-03, 18:14

Quote:

Originally Posted by SomeLowLife View Post

I have no credit, nor bank account.

chex systems? my aunt had that when i lived with her, not allowed a bank account for up to 7 years...

MeNoRikey · #9 2008-10-03, 22:40

How do I check my credit?( In Canada)

SLP · #10 2008-10-04, 11:07

Quote:

Originally Posted by MeNoRikey View Post

How do I check my credit?( In Canada)

Quote:

Credit score

The only way you can obtain your credit score is online, through the credit-reporting agencies' websites2. The fee charged for your credit score might be higher than the cost of receiving only your credit report online. However, the cost of your credit score will include an online copy of your credit report. You will receive your credit score (and credit report) online a few minutes after you have made the request.

2. Credit reports and credit scores are not available to Nova Scotia residents on the Internet.

To get copies of your credit report and credit score, contact Equifax, TransUnion and Northern Credit Bureaus Inc., at the following coordinates:

Equifax Canada

National Consumer Relations
P.O. box 190, Station Jean-Talon,
Montreal, Quebec H1S 2Z2
Tel. (toll-free): 1-800-465-7166
Fax: (514) 355-8502
E-mail: consumer.relations@equifax.com
Web site: www.equifax.ca Opens in a new window

TransUnion Canada

All provinces except Quebec:
Consumer Relations Centre
P.O. Box 338 LCD 1
Hamilton, Ontario L8L 7W2
Tel. (toll-free): 1-866-525-0262
Fax: (905) 527-0401

For Quebec Residents:
TransUnion (Echo Group)
1 Place Laval
Suite 370
Laval, Quebec H7N 1A1
Tel. (toll-free): 1-877-713-3393
Fax: (905) 527-0401

Web site: www.transunion.ca Opens in a new window

Northern Credit Bureaus Inc.

336 Rideau boulevard
Rouyn-Noranda, Quebec J9X 1P2
Fax (toll-free): 1-800-646-5876
Web site: www.creditbureau.ca Opens in a new window

From http://www.fcac-acfc.gc.ca/eng/publi...ScoreTOC_e.asp