I am Canadian, how do I clean up my credit rating.? related questions

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I am Canadian, how do I clean up my credit rating.?0Kenned2012-11-02 16:48:02
I was very sick and the payments were late , but they have paid on time for the last year . I just applied for a car loan and was rejected for " bankruptcy" . I've never gone out of business , why would they show on my credit score if you never went bankrupt ? Can decide only bad because payments for a year that went bankrupt ?
Will they let me through the Canadian borders, I have a Canadian Permanent Residence card?0RAJAN2012-10-13 14:55:35
Okay so here we go , I am a permanent resident in Canada , I have been for two years , I have my green card and social Insurace number and my health card and everything , I'm still in student loans and study at a college at this time , the thing is that a year ago I met a guy online American , he came to visit , but had to return , but he wanted me to be the U.S. and stay there with him , I knew I had to have a visa , so I bought a gray hound ticket to the U.S. and took the bus to the U.S. , however , I was denied entry to the U.S. border because did not have a visa , this American guy wanted me there so bad about what he called the border and told them that my parents were abusive and that I had no one to go to but he thought his lie would the inhabitants of the symathize border with me and left me in the U.S. without a visa , I did not know that until it was too late , after a while I went to Egypt , my homeland , for a visit, but when I returned to Canada , the type of border asked me many questions , as if were trying to illegally cross U.S. borders , her boyfriend was trying to reach the U.S. illegally and so on , I thought I would leave in Canada , but finally did, after giving me the third degree , and now I will have to return to Egypt to get my transcripts from my school there, if they refuse to give my man, I'm worried that the guys from the border can not leave me behind in Canada , I have a reason to worry or what?
Trying to clean up my credit....?0ALASKA2012-10-07 18:22:53
I have no credit card debt at all, but numerous bills that accumulated as a young man who could not or did not pay . No repos , no liens , student loans , not only invoices . Should I go through a little agency contact companies on my own and go from there ? I have really wanted to consolidate debt in one lump sum , but I do not think that if you have no credit card debt . Any ideas on what I should do ?
What is the best way to clean up your credit?0eep2012-09-30 10:08:02
I'm looking to clean my credit ... like everyone else right now. I have trouble getting approval for anything , even a secured credit card ! My FICO is 619 and I had a credit card sent to collections for $ 300 and a loan of $ 5,000 sent to collections . What is the best way to clean my credit. It can not be approved for a credit card , car loan or even renting an apartment ! MedlinePlus MedlinePlus Please help !
"Credit Clean Up" Advice Please?0not planning 2 tell u2012-09-18 01:03:04
My credit is really bad , and my score is somewhere in the 400, about 500 . MedlinePlus MedlinePlus 85% of my claim is for a total of unpaid bills from the hospital about $ 15,000. The rest is an old utility bill ($ 500) , and I owe a bank ($ 300) MedlinePlus MedlinePlus I never had any bankruptcies , foreclosures , credit cards , repossesions , evictions , etc .... MedlinePlus What would you suggest to pay first to get my credit score up ? Some people say that hospital bills are not that important , but it must be important if my credit score is very low and I have nothing "important " on it . MedlinePlus MedlinePlus I've seen other people with credit scores that low , but they had all kinds of credit card and loan debts . That's why I do not understand why mine is so low and never had any of that . MedlinePlus MedlinePlus Anyway , it would be better to pay the bills first Hosptial , or two other small bills ? MedlinePlus MedlinePlus Also, is there anyway to consolidate my hospital bills payment all in one ? They are in the same hospital , but are of different doctors and different departments ?
How can I clean up my credit fast?0reefa2012-10-15 12:13:27
I join the Air Force, and as a security check to check my credit. First I have to make weight , so I have about 2 months to at least begin to make an effort to start paying on my debts . My problem is that after paying all my current "survival " only bills I have about $ 25 left at the end of the month ! I have god awful credit and no co -signers of a loan . Any suggestions ?
Clean Son's repo car loan out of my credit?2Merlene2012-09-30 20:36:03
They co - signed a car loan for my son . A few times he was late in paying . Then he was late again for two months and the bank repossessed the car . He made the payment and got the car back . And recently he was late again and seized the car again. MedlinePlus MedlinePlus Finally paid the remaining amount and got his car. MedlinePlus MedlinePlus My credit has dropped 820 to 620 because of this problem . Many of my credit card companies closed my account but I have to pay the remaining balances . Never been late on my bill payments . Please advise me what I have to do to clear my mind . What are my options . MedlinePlus MedlinePlus Thank you. MedlinePlus MedlinePlus He is my son ... I love him , but never signed by anyone ever again . MedlinePlus MedlinePlus People do not always co - sign anyone. !
Clean up credit..get higher score?3liv2012-09-24 10:02:02
I made the mistake of getting credit cards when I was 18 ( now 30) . My car is paid and rent i . i have about 8,500 in student loans and am making payments on it. the rest of my det is less than $ 8000. If anyone is in the collection and I'm starting to make the payments, will my credit score go up ? I want to be able to buy a house within a year or two . thanks in advance
Help with Canadian credit company? I've paid but...?0Gibbons2012-09-29 00:26:03
Ok, so my old bank account was overdrawn, which had to be paid by a certain date a few months ago. I paid off shortly before the date through an online transaction, however, exposed the bank turned into a loan and closed my account with money in it (have no idea how to do). I had no idea that was not implemented in the open, and thought everything was fine, because the money was never returned. Fast forward a few months, and now I've started getting calls from a collections company credit! They told me I have to talk to my bank about the situation. I called my bank and was told that I have to give a transaction number. Checked my bank account and all transactions between my old account and that one has been deleted! (They were joint accounts, dating from about 5 years ago) MedlinePlus I called the credit card company, and they told me I have to go to my home branch and make it print a record of the transaction showing the payment. My branch is across the city and works only during regular business hours (9-5) while working. I told the collection company that I'm too busy with work for the next few weeks, and really will not be able to take the time to go in the short term to do that. I said I had been told what to do and it was my responsibility to protect my credit to do so. I said I hoped to note that he had already paid and had not applied the payment (to which he laughed). Then I repeated that he would not be able to do at any time this week, and it would be better to make a note that they would not hear from me for a while if that's the only way. He said that "it is obvious that you do not" care "and hung up before I could say anything else. MedlinePlus MedlinePlus What are the possible courses of action? I only just got my job a few months ago, and we have some serious projects because I'm not taking the (minimum) that would take me two hours to get to my bank, get it all sorted out and then go back to work (which is a busy branch, besides being the time). MedlinePlus MedlinePlus Obviously I know that leaving this unresolved is hurting my credit, but I thougth that credit card companies were also able to report when the accounts were transferred to them in error ... How I can make the state company that on my record?
I am surprisingly having to clean up my credit. I have some extra money - what should I pay off first?2Petica2012-10-03 21:19:02
I learned these rules , can anyone verify these MedlinePlus ? MedlinePlus 1) You need a balance of no more than 50 % of your unsecured debt . True ? Does this include paying my mortgage ? My unsecured loans are at interest rates lower than my loan guarantees. MedlinePlus MedlinePlus 2) One should hold no more than 50 % overall balance on credit cards ( versus total credit limit ) . True ? If so , is that , in total or card by card ? That is, if I have 7 credit cards and one with a balance of over 50 % , is it still hurt my FICO score ? MedlinePlus MedlinePlus Thanks for any help you can offer in advance.
I'm 25, have almost $50,000 worth of debt. What can I do to clean up my credit so I can buy a house?1Jiya2012-09-04 10:40:06
I have good credit , never made a late payment and always atleast make my minimum payments , and more . I recently consolidated some credit card debt and the debt of my fiance with a private loan of $ 30,000 we paid together. So I have about $ 20,000 worth of debt consolidated student loan , car loan and some credit cards shopping related household items ( tv , furniture , etc ) that are purchased with 0 % financing or low . All my debt and most of my boyfriend is in my name because his credit was too bad for any loan , etc. So , if everything is in my name , we have no problem making payments every month as there are 2 of paying us . But as we work on getting your credit in line with what one day will be a co -signer of a house , what can we do to get my credit up seeings how I have most of my credit tied for the two of us? I've closed all zero balance credit cards that had opened , but what else I can do? ? Thanks for any advice anyone may have :)
What is the best way to clean up your credit report. I have a mortgage, my car is almost paid for, ...?2Dylan2012-09-23 10:43:03
a credit card , a student loan , and some minor debts Dew . I'm divorced and my crdit took a major hit . What is the highest score you can get ?

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