by FociPhil » Sun Feb 03, 2008 07:06:01 PM
Hi everyone,
I came across this site while looking for credit improvement advise for Canadians on Google. After searching through the threads I found some great information and thought to my self "I should join" and maybe offer some help as well.
I live in TO, born and raised, but recently spent 3 years in Saskatoon. While I was there I worked for a short period as a manager for a payday loan company. So any questions about that or collections, I may be able to help.
Im not sure where to post my questions, Im 24 and looked at my credit report for the first time a year ago. So at that time I started giving alot of effort to improving my credit. Recently, I looked at my credit report (I'm trying to make it a yearly thing now) and had a score of 631, which I thought was terrible. After looking through the threads, it actually doesnt sound that bad.
The wierd thing is a year ago, I had a collection for Rogers. I researched and discovered that it was a legit debt I had and paid it off. So I thought, but this years report I found a collection for Rogers filed 2005, for a different amount, and a different balace oweing. I called rogers, and they only record they have for my name is my current wireless, and the account I paid off. I sent equifax a investigation report via mail, and hopefully will here back in the coming weeks.
My main goal is for home ownership in the next 4 years or so. Glad to be here! (sorry for the length)