Skip to main content

What I learned from my credit report

With the possibility of an attempt at home ownership coming up, I thought it prudent to order copies of my credit reports. I keep hearing that it's smart to check them regularly to make sure they're correct and ... well, good, I guess.

I sent off the required photocopies and forms to the major credit reporting agencies in Canada, Equifax and TransUnion.

Equifax got back to me within a couple of weeks. TransUnion has not. Last time I tried this, I sent one of them insufficient copies of my documentation, and got my info from one and a "sorry, can't help you" letter from the other. I'm hoping I didn't do the same thing this time.

So, here's what I learned from Equifax: Everything's fine.

My file was opened in the fall of 1994, which must've been when I got my first Mastercard.

They have my current address correct, and my previous two addresses. They have correct info about my employer.

The report shows credit inquiries from the car leasing company, two property management companies from when I was apartment-hunting here, and four inquiries from TD/GM Visa. Yeah, back from 1996 to 1998 I applied four times for a GM Visa. I got t-shirts and mugs and whatnot. I was turned down every time.

Other inquiries on my record show quick checks from Citi, Amex, Future Shop and Best Buy.

As for my credit history, everything's great.

The car lease, on which I'm a co-signor, is rated at I1, paid and up to date.

My Visa, MC and Amex accounts are all rated R1, paid and up to date. My Royal Bank line of credit is also rated R1.

There's no actual credit score in this report, but I imagine my score would be good, too. I'm not late with payments and I pay everything in full. I have a decent credit history going back 14 years.

Lookin' good. Now I can just hope those schmoes at TransUnion get me the other report so I can smile at that one too.

Comments

Popular posts from this blog

Gordon turns four and has questions

Gordon wanted to know where mommy went.

Not what happened to her body, but where SHE went.

We celebrated his fourth birthday this weekend with three gatherings. One at our house with his little friends. One at nana and grampa's house. One in Stratford with the Simpson clan.


The big party for the kids was a success. I'd never planned such an event. Thank goodness for the Internet, where I found a Martha Stewart article that laid out the basics. And thank goodness for Party City, which had a ton of Transformers party stuff ready to buy. I wasn't feeling well, but managed to pull it off. Thanks to sister Shannon and SIL Amy for being the Designated Adults who helped in wrangling and last-minute logistics. G thought the whole event was kind of loud, but he really enjoyed it. And I feel like a winner for making it happen -- some of the other parents even chimed in that they now know what goes into a kid's party, since they were as clueless as me! Great!

Great time at nana&#…

The sweet smell of success (the opposite of that)

Let me lock in the system at warp 2 Push it into systematic overdrive - U know what 2 do - Ween, "Poop Ship Destroyer"
Pardon the juvenile humour off the top, but this journey has been so unreal that I can't help but fall back on laughing in the absence of appropriate things to say.

Amanda's headed for another big surgery this week.

Quick recap of how we got here: She went into hospital in late January to have her ovarian cancer tumours taken out. That surgery ended up taking a foot-long chunk of her colon, so they spliced what was left to her nature-given outlet. Well, that blew apart and she went for emergency colostomy surgery. THAT didn't work, either, as illustrated by our guiding light with the scalpel hand and the silver tongue, Dr. Sugimoto:


The business end of the remaining colon sloughed its way back into her insides and strictured itself off, creating a cul-de-sac with no escape for poop nor gas. They put her on TPN (full nutrition by IV) but let her …

Things get much worse as tumours spread fast

Things crawl in the darkness
That imagination spins
Needles at your nerve ends
Crawl like spiders on your skin

Pounding in your temples
And a surge of adrenaline
Every muscle tense —
To fence
The enemy within - Rush, "The Enemy Within"
We don't know how or why, if there is a how or a why, but Amanda's cancer has woken up and is on the move, double-time. Things have become much worse in the time since the last update.

At that point, the docs had found a couple of spots on her ribs that were causing her pain. They zapped it with radiation to give her some relief.

Since then, things have progressed quickly.

Just after the hospital stay when they were trying to get Amanda's pain under control, docs found more bone metastases in her sacrum (large, triangular bone at the base of the spine) and iliac crest (the big wing-like bone on the pelvis where they harvest bone marrow). More radiation. This time, the radiation hasn't knocked the pain down.
Then she had headac…