Since I am in Canada (2002); applied/ dis-approved/ got/ denied/ said 'NO' to many credits (card or store credits etc.). Have a mortgage and all going normal. Is it a good idea to see my credit score. Just to know if all is fine. Only recently one credit card was denied, inspite of good payment history. But then the (credit card) company changing and not telling the reasons.
Does asking for credit report goes against me in any way: How to do this?
-Ben
Quote:
Originally posted by benparsad
Since I am in Canada (2002); applied/ dis-approved/ got/ denied/ said 'NO' to many credits (card or store credits etc.). Have a mortgage and all going normal. Is it a good idea to see my credit score. Just to know if all is fine. Only recently one credit card was denied, inspite of good payment history. But then the (credit card) company changing and not telling the reasons.
Does asking for credit report goes against me in any way: How to do this?
-Ben
You can check your history. You are given one report free once in 12 months. GO EQUIFAX.CA, CALL THEM AND They will send you a copy. It will not give you any credit score which should not matter to you.
Location: Brampton, Ont, Canada
Posted on: 26-02-09 10:16:18
"Only recently one credit card was denied," - THERE MUST BE REASON -
GO TO EQUIFAX AND ORDER :
Score Power™ REPORT WILL COST U Price: $23.95 CDN - but worth putting money since it will give u details information along with your fico score.
u r recently got denied - means either u have to may inquiries in current couple of months or you have over limits on your credit cards , loans
or u may have bad history on particular account - may late payments , or u hv some problem with some of institute and u r fighting over and not paying -
or u have fraud on your name - some one might have took advantage of you inforamtion and go some kind of credit and fu..c..k up
SO ACT FAST ORDER YOUR REPORT AS SOON AS POSSIBLE , GO THREW EACH ENTRY AND CHECK WITH YOU CURRENT LOANS AND CREDIT CARD, YOU WILL FIND ALL INFO... IF U SEE ANY THING SUSPICIOUS - START CALLING THAT INSTITUTE, EQUIFAX OR U MAY HAVE TO FILE POLICE REPORT
Dont be lazy to fix this issue, work hard on it , cause credit is very important and u dont wanna make it mess...
Link to get your power score report online:
https://www.econsumer.equifax.ca/ca/main?forward=/view/common/template.jsp&body=/view/home/home.jsp&lang=en&show=null
My advice:
dont ask for regular report, pay 24$ and get the powerscore will give u all details on your all accounts.
-----------------------------------------------------------------
'Some goals are so worthy, it's glorious even to fail.' (Param Vir Chakra awardee Lt. Manoj Pandey)
Quote:
Originally posted by Desi # 1
Quote:
Originally posted by benparsad
Since I am in Canada (2002); applied/ dis-approved/ got/ denied/ said 'NO' to many credits (card or store credits etc.). Have a mortgage and all going normal. Is it a good idea to see my credit score. Just to know if all is fine. Only recently one credit card was denied, inspite of good payment history. But then the (credit card) company changing and not telling the reasons.
Does asking for credit report goes against me in any way: How to do this?
-Ben
You can check your history. You are given one report free once in 12 months. GO EQUIFAX.CA, CALL THEM AND They will send you a copy. It will not give you any credit score which should not matter to you.
Hi,
As Desi#1 said you can check your credit history once in a year and its free.
is it any minus score to check credit history by EQUIFAX. Means i am here in canada more than 2 and half yrs i never checked my credit history and hope i have a good credit score as i never missed single credit card payments and others.
question is if i am going to call EQUIFAX for send a credit history report than it will show in my credit history and they will reduce score or not?
If anyone know about this please let me know.
Location: Brampton, Ont, Canada
Posted on: 26-02-09 14:16:21
No, u will not loose any points since u r going to check by your self.
-----------------------------------------------------------------
'Some goals are so worthy, it's glorious even to fail.' (Param Vir Chakra awardee Lt. Manoj Pandey)
Follow this http://fcac.gc.ca/eng/consumers/CreditLoanDebt/default.asp to know every thing about your credit score and more.
-----------------------------------------------------------------
Pramod Chopra
Senior Mortgage Consultant
Mortgage Alliance Company of Canada
Quote:
Originally posted by Pramod Chopra
Follow this http://fcac.gc.ca/eng/consumers/CreditLoanDebt/default.asp to know every thing about your credit score and more.
Soo sunar ki, eek luhar kee. Good info. Thanks.
I do not trust the store-credit-card approval process. It is possible that they might be looking for "specific" type of customers. And you might not be what they are looking for.
