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Thread: I Just checked my credit score

  1. #261
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    Quote Originally Posted by ercchry View Post
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    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
    My experience most certainly does not reflect that. But can agree to disagree.

  2. #262
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    Quote Originally Posted by Misterman View Post
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    My experience most certainly does not reflect that. But can agree to disagree.
    I’m speaking from mortgages... no clue how they do their unsecured lending

  3. #263
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    Quote Originally Posted by ercchry View Post
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    I’m speaking from mortgages... no clue how they do their unsecured lending
    They could very well have some different system in place purely for mortgages.

  4. #264
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    I have a mortgage and line of credit through Scotia, when I was going through the line of credit setup they did a check and the rep showed me my letter grade as the score they used.

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    Based on my experiences with Scotiabank, they probably had to move to an A B C system because 3 digit numbers were likely too complex for their employees to comprehend.
    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.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  6. #266
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    Quote Originally Posted by killramos View Post
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    Based on my experiences with Scotiabank, they probably had to move to an A B C system because 3 digit numbers were likely too complex for their employees to comprehend.
    Canadian banks are not filled with brainiacs. They are filled with pseudo-governmental bureaucrats and algorithm readers. Canadian banks only competence is rent seeking. Otherwise they're pretty pathetic.

  7. #267
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    Hey guys my credit score is stuck at 787 for like 6 months now! I want to boost it to at least 790! Any tips or tricks? Lol

  8. #268
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    Quote Originally Posted by BensonTT View Post
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    Hey guys my credit score is stuck at 787 for like 6 months now! I want to boost it to at least 790! Any tips or tricks? Lol
    Raise your credit limits, lower any balances

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    Why 790?
    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?

  10. #270
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    Quote Originally Posted by ExtraSlow View Post
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    Why 790?
    According to BMO, it’s the next tier up lol

    - - - Updated - - -

    Quote Originally Posted by ercchry View Post
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    Raise your credit limits, lower any balances
    Thank you

  11. #271
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    To what end…
    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.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  12. #272
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    Quote Originally Posted by killramos View Post
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    To what end…
    Up their end...
    LoL!

  13. #273
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    I hear 804 is the real meaningful target. It's all supermodels and cocaine from there on.
    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. #274
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    I'm at 849. How do I get to 850 for the super elite space hotel hookers and cocaine?
    Quote Originally Posted by DonJuan View Post
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    Came back to ogle 2Legit2Quit wife's buns...
    Quote Originally Posted by Kloubek View Post
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    They're certainly big, but I don't know if they are the BEST I've tasted.

  15. #275
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    honestly, once it's over 700 or even 650, no one gives a shit

  16. #276
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    I thought all these blinking ads for this were about as real as "Casinos in Cochrane HATE it when you do this, but they can't stop you!!!¹!1!!¡" bullshit.

    How can a person actually "check their score" without downloading a wallpaper gif of Rosie O'Donnell wiping her ass??

  17. #277
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    Quote Originally Posted by ThePenIsMightier View Post
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    I thought all these blinking ads for this were about as real as "Casinos in Cochrane HATE it when you do this, but they can't stop you!!!¹!1!!¡" bullshit.

    How can a person actually "check their score" without downloading a wallpaper gif of Rosie O'Donnell wiping her ass??
    Give me $20 and I'll tell you your TikTok Street Credit score.
    Quote Originally Posted by DonJuan View Post
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    Came back to ogle 2Legit2Quit wife's buns...
    Quote Originally Posted by Kloubek View Post
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    They're certainly big, but I don't know if they are the BEST I've tasted.

  18. #278
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    Quote Originally Posted by Tik-Tok View Post
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    Give me $20 and I'll tell you your TikTok Street Credit score.
    Meet in Red Deer.

  19. #279
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    Quote Originally Posted by ThePenIsMightier View Post
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    Meet in Red Deer.
    Your score just went down 10 points.

    Please purchase optional Credit Protection to keep this from occurring again. Only $5.99/month
    Quote Originally Posted by DonJuan View Post
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    Came back to ogle 2Legit2Quit wife's buns...
    Quote Originally Posted by Kloubek View Post
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    They're certainly big, but I don't know if they are the BEST I've tasted.

  20. #280
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    Quote Originally Posted by Team_Mclaren View Post
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    honestly, once it's over 700 or even 650, no one gives a shit
    700, yes. Can’t take advantage of all that sweet new home equity till a minimum of 680 for a prime (A lender) refinance

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