I just checked mine cause I got 2 free years due to the Capital One hack, and 900 score bitches. I need to start HELOC some stuff
I just checked mine cause I got 2 free years due to the Capital One hack, and 900 score bitches. I need to start HELOC some stuff
Originally posted by GTS Jeff
You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?
Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.
This is so typical. Similar happened to me when I paid of the mortgage and cars. Then all I had was CC, which I spend 30% of limit per month, then paid of completely. Credit score dropped.This quote is hidden because you are ignoring this member. Show Quote
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That's an impressive score on a 850 scale.This quote is hidden because you are ignoring this member. Show Quote
GT1R. 8.82@169
Mission
Capitol One's credit checks go up to 900, to make their customers feel better about themselves.This quote is hidden because you are ignoring this member. Show Quote
https://www.capitalone.ca/help/credit-score/
Credit checks are so bogus, the number is a such a waste of people’s time to pursue. It’s just a tool for lenders to not have to do any real DD when lending.
Only thing running a credit report is good for is checking for extra accounts due to identity theft etc.
My mortgage doesn’t even show up on my credit report lol, been ~18months since I switched.
Originally posted by Thales of Miletus
If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
Originally posted by Toma
fact.This quote is hidden because you are ignoring this member. Show Quote
I have a mortgage through London Life and it isn't on any credit report. Have another one through First National, it is on it. Have had both for over 4 years. The one that doesn't report is larger.
If you went delinquent, it would report eventually I'm certain.This quote is hidden because you are ignoring this member. Show Quote
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I didn't realize that people set goals on the credit scores.
Fascinating.
My goal is to stay above 600 and I'm totally doing it. Go me!This quote is hidden because you are ignoring this member. Show Quote
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720+ is all you really need... unless you have a partner with good credit, then you can piggyback in their apps with as low as 600-640
And, surprise!
These scores from CLICK ME NOW sites are horse shit.
https://www.cbc.ca/news/business/mar...core-1.5314868
This quote sums it up quite well...This quote is hidden because you are ignoring this member. Show Quote
The only good thing about a credit check is to ensure nothing fraudulent has hit your name.From Agarwal's perspective, the credit companies are simply using the scoring system as a marketing tool.
People can question the scores validity all they want. At the end of the day it's the number the bank uses to determine if they'll give you money or not. So it's pretty important for most people.This quote is hidden because you are ignoring this member. Show Quote
Small changes in your credit score are meaningless. The difference between 650 and 699 is ZERO.This quote is hidden because you are ignoring this member. Show Quote
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6 of one, half a dozen of the other. 650 to 699 or vice versa mean nothing. However 699 to 749 or vice versa is huge! Drop below 700 and you're dogshit to the bank.This quote is hidden because you are ignoring this member. Show Quote
I'm dogshit to them anyway, but maybe that's because I don't need much from them.
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Did you read the article? The scoers consumers get in Canada are not the scores that banks use. Canadians cannot get access to the scores that lenders use.This quote is hidden because you are ignoring this member. Show Quote
Well Scotiabank disagrees with you. They use the Transunion score, which is the same thing you get yourself from using CreditKarma. I couldn't comment on other banks and what they use.This quote is hidden because you are ignoring this member. Show Quote
Scotia might report to and pull trans union... but they actually have their own in house scoring to make credit decisions. Probably one of the most flexible A lenders in that regardsThis quote is hidden because you are ignoring this member. Show Quote
Speaking of TransUnion...
https://www.cbc.ca/news/business/tra...each-1.5315488