Comments on: Order Your Credit Reports http://www.canadiancapitalist.com/order-your-credit-reports/ Helping you invest and prosper Sat, 11 Feb 2012 19:27:54 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Frank Bruno http://www.canadiancapitalist.com/order-your-credit-reports/#comment-59122 Frank Bruno Tue, 31 Jul 2007 19:53:06 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-59122 I hope this article helps your clients who need to quickly raise their credit scores for the loan approval process or for the best possible interest rates. <a href="http://www.creditips.com/blog/how-i-raised-my-credit-score-40-points-in-24hrs.html" rel="nofollow">How Credit Expert Frank Bruno Raised His Credit Score 40 Points in 24hrs.</a> Also your clients may be interested in watching <a href="http://www.DisputeDemon.com" rel="nofollow">Free Credit Tip Videos here</a> I hope this article helps your clients who need to quickly raise their credit scores for the loan approval process or for the best possible interest rates.

How Credit Expert Frank Bruno Raised His Credit Score 40 Points in 24hrs.

Also your clients may be interested in watching Free Credit Tip Videos here

]]> By: Fraud Prevention Tips http://www.canadiancapitalist.com/order-your-credit-reports/#comment-57954 Fraud Prevention Tips Wed, 25 Jul 2007 03:20:59 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-57954 [...] Order your credit reports once every year. [...] [...] Order your credit reports once every year. [...]

]]> By: michael bastiampillai http://www.canadiancapitalist.com/order-your-credit-reports/#comment-54938 michael bastiampillai Thu, 12 Jul 2007 03:28:48 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-54938 I would like a free credit report sent to my e-mail address thanks, Michael I would like a free credit report sent to my e-mail address

thanks,

Michael

]]> By: Michelle http://www.canadiancapitalist.com/order-your-credit-reports/#comment-27863 Michelle Tue, 10 Apr 2007 03:17:39 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-27863 I would have to totally agree with James, the more debts you have the more you will get. For example, i was not working, single mother of 2. I needed a small loan that i knew i could pay off, HSBC(bull crap company that can stick their 28.8% interest where the sun dont shine) opened up a LOC in the amount of 3000$, i took it. EH, i asked for 1000 i got 3000 what a deal i though i was getting, very very low payments. Then came in the calls from the annpying call centers and the cards, they gave me a The Source card, then audiotronics, im not talking about 1000 limit... nah more like 3000 each, then one day in the mail to my surprise.... 1500$ more on my LOC...in a cheque format, not a notification on my installment but money money, i mean a real cheque. I never even asked for it, dominican republic was nice though. well now i cant make the payments. Trust me the lenders were calling me to get a card not me running after them for 1. I learned a lesson, never accept money in the mail lol... its all a scam... i kindly asked to consolidate my 3 LOC to have at least only 1 28.8% interest and combine everything... you would think they would do that... no they enjoy making enormous amount of money on the interests.... well i guess im the one laughing at them now... i guess they should of figured out first that the more you allow a person to spend specially a woman the more they will spend... doesnt mean that they will or they can pay the debts off... well i guess im the one laughing now cause i dont have to put up with them anymore... i have a few words for other companies out there too but i will keep that to myself... i know it was partialy my fault for spending but lets face it, they knew i was not working why would they allow me to have approx. 10 000$ in LOC with their company, go figure. I would have to totally agree with James, the more debts you have the more you will get. For example, i was not working, single mother of 2. I needed a small loan that i knew i could pay off, HSBC(bull crap company that can stick their 28.8% interest where the sun dont shine) opened up a LOC in the amount of 3000$, i took it. EH, i asked for 1000 i got 3000 what a deal i though i was getting, very very low payments. Then came in the calls from the annpying call centers and the cards, they gave me a The Source card, then audiotronics, im not talking about 1000 limit… nah more like 3000 each, then one day in the mail to my surprise…. 1500$ more on my LOC…in a cheque format, not a notification on my installment but money money, i mean a real cheque. I never even asked for it, dominican republic was nice though. well now i cant make the payments. Trust me the lenders were calling me to get a card not me running after them for 1. I learned a lesson, never accept money in the mail lol… its all a scam… i kindly asked to consolidate my 3 LOC to have at least only 1 28.8% interest and combine everything… you would think they would do that… no they enjoy making enormous amount of money on the interests…. well i guess im the one laughing at them now… i guess they should of figured out first that the more you allow a person to spend specially a woman the more they will spend… doesnt mean that they will or they can pay the debts off… well i guess im the one laughing now cause i dont have to put up with them anymore… i have a few words for other companies out there too but i will keep that to myself… i know it was partialy my fault for spending but lets face it, they knew i was not working why would they allow me to have approx. 10 000$ in LOC with their company, go figure.

]]> By: StatiK76 http://www.canadiancapitalist.com/order-your-credit-reports/#comment-9141 StatiK76 Mon, 02 Oct 2006 18:26:22 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-9141 growth in value, I had ran into a similar situation a couple years back, and was equally as shocked and confused when i was denied. Your 12k CC + 10k line of credit + (whatever futureshop, ikea, etc cards you may have) == potential debt. Granted you may only owe your CC company $15 bucks - its the potential risk that you may rack up the full 12k on a crazy drinking binge in mexico next winter - thats where the worry comes from. If you don't need the full 12k (mine was at 21k, and i dont purchase anything but beer. I refuse to carry a debt & i make regular sizable payments twice a month) .. i knocked the CC limit down to 5k, and i was instantly able to receive my requested line of credit. (coupled with cancelling my futureshop card, ikea, pier 1, bay card, and a handfull of other potential debt cards). StatiK76 growth in value,

I had ran into a similar situation a couple years back, and was equally as shocked and confused when i was denied.

Your 12k CC + 10k line of credit + (whatever futureshop, ikea, etc cards you may have) == potential debt. Granted you may only owe your CC company $15 bucks – its the potential risk that you may rack up the full 12k on a crazy drinking binge in mexico next winter – thats where the worry comes from.

If you don’t need the full 12k (mine was at 21k, and i dont purchase anything but beer. I refuse to carry a debt & i make regular sizable payments twice a month) .. i knocked the CC limit down to 5k, and i was instantly able to receive my requested line of credit. (coupled with cancelling my futureshop card, ikea, pier 1, bay card, and a handfull of other potential debt cards).

StatiK76

]]> By: growth in value http://www.canadiancapitalist.com/order-your-credit-reports/#comment-8886 growth in value Tue, 26 Sep 2006 04:53:08 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-8886 I'm even more confused now than when I started. All I have is one credit card, with a limit of 12K. I typically put about 1K a month on it, but pay off the max every month, with a few execeptions. I have no student debt and never have. I'd like to get a mortgage in the next five years. Why am I screwed over? Because I pay off my credit card bill? That hardly seems fair. I’m even more confused now than when I started.

All I have is one credit card, with a limit of 12K. I typically put about 1K a month on it, but pay off the max every month, with a few execeptions.

I have no student debt and never have. I’d like to get a mortgage in the next five years.

Why am I screwed over? Because I pay off my credit card bill?

That hardly seems fair.

]]> By: Order you credit card reports. « Junior Financial Times http://www.canadiancapitalist.com/order-your-credit-reports/#comment-8759 Order you credit card reports. « Junior Financial Times Sat, 23 Sep 2006 20:49:42 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-8759 [...] Canadian Capitalist posted this post: It is a good practice to order your credit report every year. You never know what errors lurk in them. The first time I ordered my credit report, I found that my bank still had a lien on my car though the car loan was long paid off. [...] [...] Canadian Capitalist posted this post: It is a good practice to order your credit report every year. You never know what errors lurk in them. The first time I ordered my credit report, I found that my bank still had a lien on my car though the car loan was long paid off. [...]

]]> By: James http://www.canadiancapitalist.com/order-your-credit-reports/#comment-8723 James Sat, 23 Sep 2006 00:03:18 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-8723 Credit report and score are both dependant on a complex calculation involving the total outstanding debt, total possible outstanding(say you have a 15k LOC and you have taken 5K out - 5K is outstanding debt, 15k is possible outstanding), how long you have had the debt(s) and how consistantly you pay. The highest credit scores generally go to people who are heavily in debt, but have rarely if ever missed a payment but usually only make minimum payments, lenders LOVE minimum payers. Your credit score actually goes down when you pay off debts, particularly old debts as the length of time you have been in debt is a key part of the calculation and as you pay off older debts the average age of your debts decreases, lenders LOVE long drawn out payment schedules as interest just keeps growing Credit report and score are both dependant on a complex calculation involving the total outstanding debt, total possible outstanding(say you have a 15k LOC and you have taken 5K out – 5K is outstanding debt, 15k is possible outstanding), how long you have had the debt(s) and how consistantly you pay. The highest credit scores generally go to people who are heavily in debt, but have rarely if ever missed a payment but usually only make minimum payments, lenders LOVE minimum payers.

Your credit score actually goes down when you pay off debts, particularly old debts as the length of time you have been in debt is a key part of the calculation and as you pay off older debts the average age of your debts decreases, lenders LOVE long drawn out payment schedules as interest just keeps growing

]]> By: award tour » canadian credit reports http://www.canadiancapitalist.com/order-your-credit-reports/#comment-8718 award tour » canadian credit reports Fri, 22 Sep 2006 22:24:37 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-8718 [...] Canadian Capitalist » Order Your Credit Reports. quick tip on how to get a free credit report in canada. [...] [...] Canadian Capitalist » Order Your Credit Reports. quick tip on how to get a free credit report in canada. [...]

]]> By: MikeB http://www.canadiancapitalist.com/order-your-credit-reports/#comment-8713 MikeB Fri, 22 Sep 2006 20:53:03 +0000 http://www.canadiancapitalist.com/2006/09/21/order-your-credit-reports#comment-8713 MV, I've considered the same question. What is more, I can't understand why they don't display my mortgage liability? Is that not the gold standard as to whether or not I pay what I owe in a timely and consistent manner? MV, I’ve considered the same question. What is more, I can’t understand why they don’t display my mortgage liability? Is that not the gold standard as to whether or not I pay what I owe in a timely and consistent manner?

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