Canadian Credit Repair - Please help me figure out my credit score! - Canada

a good place to talk about links

RE: Please help me figure out my credit score!

Postby average_joe » Wed Dec 26, 2012 10:06:08 AM



https://www.econsumer.equifax.ca/trial_en.html
average_joe
Member
Posts: 2565
Joined: Sun Dec 16, 2007 03:58:17 PM
Province: NS


RE: Please help me figure out my credit score!

Postby jazzalbart » Wed Dec 26, 2012 01:42:38 AM

I found a place where one can get a free credit score: It works with a website called creditkarma.com which provides a free credit score.
jazzalbart
Member
Posts: 10
Joined: Sun Apr 15, 2012 08:07:59 PM
Province: BC


Please help me figure out my credit score!

Postby credithelppls » Fri Jul 20, 2012 02:15:20 AM

Hi all,

So, two years ago, I went through a bad move and missed three payments - a $100 credit card bill, a $100 library fine, and a $360 hydro bill which went to collections. I immediately paid all in full. Since then, I've made every single payment whenever I've had the opportunity to - $1000 per month at least on my credit card (reducing the balance to $0 each time).

In threads here, I usually see that it takes about 6 months for credit repair. However, now, two years after, my credit score is exactly the same as it was when I began credit repair - 652 (Poor). It has not increased by a single unit.

Why is this?

There is one potential red flag on my credit report. Here is a picture of the entry for hydro collections:
http://i.imgur.com/9DZP8.png

Why is it only Paid and not Closed? It is also marked as derogatory. Why is it still being updated in 2012 when I paid it in 2010? Is this the problem? What can I do abut it?

Thanks!!
credithelppls
Member
Posts: 1
Joined: Fri Jul 20, 2012 02:09:49 AM
Province: BC


,

Return to Canadian Credit Repair - Discussion Area