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Thread: I Just checked my credit score

  1. #241
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    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.

  2. #242
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    Quote Originally Posted by relyt92 View Post
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    Was at 850, got and paid off a car loan and dropped down to 832.
    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.

    - - - Updated - - -

    Quote Originally Posted by dj_rice View Post
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    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
    That's an impressive score on a 850 scale.
    GT1R. 8.82@169
    Mission

  3. #243
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    Quote Originally Posted by 04Terminator View Post
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    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.

    - - - Updated - - -



    That's an impressive score on a 850 scale.
    Capitol One's credit checks go up to 900, to make their customers feel better about themselves.

    https://www.capitalone.ca/help/credit-score/

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    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.
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    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  5. #245
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    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.

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    Quote Originally Posted by arcticcat522 View Post
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    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.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

  7. #247
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    I didn't realize that people set goals on the credit scores.

    Fascinating.

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    Quote Originally Posted by Buster View Post
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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!
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

  9. #249
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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

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    And, surprise!
    These scores from CLICK ME NOW sites are horse shit.

    https://www.cbc.ca/news/business/mar...core-1.5314868

  11. #251
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    Quote Originally Posted by ThePenIsMightier View Post
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    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...

    From Agarwal's perspective, the credit companies are simply using the scoring system as a marketing tool.
    The only good thing about a credit check is to ensure nothing fraudulent has hit your name.

  12. #252
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    Quote Originally Posted by firebane View Post
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    This quote sums it up quite well...



    The only good thing about a credit check is to ensure nothing fraudulent has hit your name.
    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.

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    Quote Originally Posted by Misterman View Post
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    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.
    Small changes in your credit score are meaningless. The difference between 650 and 699 is ZERO.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

  14. #254
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    Quote Originally Posted by ExtraSlow View Post
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    Small changes in your credit score are meaningless. The difference between 650 and 699 is ZERO.
    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.

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    I'm dogshit to them anyway, but maybe that's because I don't need much from them.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

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    Quote Originally Posted by Misterman View Post
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    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.
    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.

  17. #257
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    Quote Originally Posted by ExtraSlow View Post
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    Small changes in your credit score are meaningless. The difference between 650 and 699 is ZERO.
    Mmm... 680 is important

  18. #258
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    Quote Originally Posted by ThePenIsMightier View Post
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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.
    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.

  19. #259
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    Quote Originally Posted by Misterman View Post
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    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.
    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 regards

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