#8867219 - 11/30/16 02:43 PM
851
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Senor Eduardo_82
miataist
Post Master Supreme
Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
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Credit score according to Credit Karma Canada. They use a proprietary formula through Transunion.
http://creditkarma.ca/
851... 
Let us compare!
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#8867250 - 11/30/16 02:57 PM
Re: 851
[Re: Screamin Type ARGH!]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44789
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Op that's impressive.
Do tell how.
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#8867261 - 11/30/16 03:02 PM
Re: 851
[Re: Senor Eduardo_82]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44789
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I've never cracked 800
High 7 for me
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#8867372 - 11/30/16 04:13 PM
Re: 851
[Re: Risky Business]
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JEFFOS
Post Master Supreme
Registered: 01/27/00
Posts: 29150
Loc: Toronto
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123 shiet
_________________________
-Jeff
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#8867509 - 11/30/16 06:16 PM
Re: 851
[Re: Risky Business]
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Hatorade
pheggit
Post Master Supreme
Registered: 11/05/99
Posts: 26894
Loc: Toronto, ON
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I've never cracked 800
High 7 for me
Same
_________________________
'07 997.1 GT3
'08 E90 M3
'11 E90 d
'02 Rota Grid - 195-55-16FR (RIP)
'04 Volk GTC - 245-35-19F/275-35-19R (Sold to a farm boi)
I thought Spark was a robot from the old movie and I kind of remember seeing him telling some engineer showing the equation for a clear metal that the guy would event years later - porschetr
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#8867538 - 11/30/16 06:40 PM
Re: 851
[Re: Hatorade]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44789
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Dirt peep credit score things.
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#8867692 - 11/30/16 09:35 PM
Re: 851
[Re: titty sprinkles]
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hyper-s2k
Post Master Supreme
Registered: 12/01/05
Posts: 14556
Loc: T dot O dot, Canada
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always bet on black?
_________________________
'08 //M3 - now @ 90,xxx km - wtf did i do?
'13 x1 - now @ 99,xxx km - a2b car
'10 x3 - now @ 123,xxx km - time 2 go?
'03 s2k - now @ 80,xxx km - a2a car
'08 535i - sold @ 149,421 km - cashed out just in time!
'08 impreza 2.5i - sold @ - 64,147 km - smh POS
'01 rav4 - killed @ 155,879 km - RIP old friend
"Driving in the snow is like sex. If you want to avoid accidents, abstinence is the best policy. If you're gonna take her for a spin, use protection." - Rick Mercer
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#8867785 - 12/01/16 07:26 AM
Re: 851
[Re: Senor Eduardo_82]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44789
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Good to know, so no point for me to crack 800. I still don't know what I am doing "wrong"
I don't have outstanding debt, everything is paid monthly  Only thing I can think of is I have a lot of available credit that's not used.
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#8867803 - 12/01/16 08:11 AM
Re: 851
[Re: Hatorade]
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spd-dmn
Post Master
Registered: 11/24/04
Posts: 2271
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My understanding is that low credit utilization is a plus.
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#8867806 - 12/01/16 08:17 AM
Re: 851
[Re: Hatorade]
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Screamin Type ARGH!
High Value Poster
Post Master Supreme
Registered: 02/20/01
Posts: 47660
Loc: T.O. - Canaduh
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Do you use your CC regularly? It might also be because of all the open credit too? Maybe I should cancel some shit that I don't use???
cancelling can ding you too doe.
_________________________
 "Ban low performance drivers, not high performance cars"
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#8867815 - 12/01/16 08:37 AM
Re: 851
[Re: Hatorade]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44789
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Do you use your CC regularly? It might also be because of all the open credit too? Maybe I should cancel some shit that I don't use???
I have 1 CC shared with SO, use it for everything.
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#8867929 - 12/01/16 10:44 AM
Re: 851
[Re: Hatorade]
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Denis Si
Post Master
Registered: 04/11/01
Posts: 2798
Loc: T.O.
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Well a great credit score is needed for low interest loans/mortgages.
RFDers say it's a myth
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#8867944 - 12/01/16 10:53 AM
Re: 851
[Re: Denis Si]
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Hatorade
pheggit
Post Master Supreme
Registered: 11/05/99
Posts: 26894
Loc: Toronto, ON
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Well a great credit score is needed for low interest loans/mortgages. RFDers say it's a myth
How so?
Poor credit scores do not qualify at the same rates since they are higher risk.
_________________________
'07 997.1 GT3
'08 E90 M3
'11 E90 d
'02 Rota Grid - 195-55-16FR (RIP)
'04 Volk GTC - 245-35-19F/275-35-19R (Sold to a farm boi)
I thought Spark was a robot from the old movie and I kind of remember seeing him telling some engineer showing the equation for a clear metal that the guy would event years later - porschetr
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#8868914 - 12/02/16 08:24 AM
Re: 851
[Re: Hatorade]
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Denis Si
Post Master
Registered: 04/11/01
Posts: 2798
Loc: T.O.
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Well a great credit score is needed for low interest loans/mortgages. RFDers say it's a myth How so? Poor credit scores do not qualify at the same rates since they are higher risk.
Maybe if you have 400 vs 600. But 650+ makes no difference. RFD has a 100 page thread on it
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#8868922 - 12/02/16 08:34 AM
Re: 851
[Re: Hatorade]
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TheRealCSnapper
Post Master Supreme
Registered: 12/05/02
Posts: 31955
Loc: Toronto, Canada
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Well a great credit score is needed for low interest loans/mortgages. RFDers say it's a myth How so? Poor credit scores do not qualify at the same rates since they are higher risk.
in the US if you're a 700 you get x rate, if you're 750 you get better than x rate...
where as in canada, as long you're above a certain range, your rate doesn't get any better
so if you're really low, you're dealing with a sub prime loan, but once you're in a decent category of credit score, good/better/best all means the same thing
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#8869323 - 12/02/16 01:40 PM
Re: 851
[Re: TheRealCSnapper]
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OracerO
Post Master Sr
Registered: 10/07/02
Posts: 3949
Loc: GTA
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812.
Paid off LOC last year and it jumped from low 7 to 8 in 2 months.
I read somewhere that paying off your CC's 5 days before the payment date helps, because it's around the 5days is when the CC company updates your balances.
been doing that since i read that.
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#8869336 - 12/02/16 01:49 PM
Re: 851
[Re: OracerO]
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Risky Business
Provides a Great Work Environment. he/him
Post Master Supreme
Registered: 05/17/10
Posts: 44789
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You check your score every two months?
That's quite the jump for 2 months.
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#8869614 - 12/02/16 07:01 PM
Re: 851
[Re: Denis Si]
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JEFFOS
Post Master Supreme
Registered: 01/27/00
Posts: 29150
Loc: Toronto
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Well a great credit score is needed for low interest loans/mortgages. RFDers say it's a myth
As mentioned for most things in Canada it doesn't get you a lower rate
_________________________
-Jeff
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#9102995 - 08/11/17 09:56 AM
Re: 851
[Re: Simon_the_Pieman]
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Senor Eduardo_82
miataist
Post Master Supreme
Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
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RBC has added a TransUnion CreditView dashboard to online banking. It gives you some kind of credit score.
Mine is 900
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