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About Credit Report/Credit File
Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada's major credit-reporting agencies: Equifax Canada and TransUnion Canada — it is possible to obtain your credit file for free — please consult the agency's website in order to obtain more information. These files are called credit reports. A credit report is a "snapshot" of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.
Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you — including banks, finance companies, credit unions, retailers — send specific factual information related to the financial transactions they have with you to credit reporting agencies.
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Request Your Credit Report & Credit Score From Equifax
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Credit Score Chart
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Score Range |
Rating |
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760+ |
Excellent |
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725-759 |
Very Good |
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660-724 |
Good |
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560-659 |
Fair |
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300-559 |
Poor |
Read more about Credit Scoring & Rating
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Your Credit Report
Is a Snapshot of
Your Credit History
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How Credit Scores Are Formulated Payment History - 35%: Factors in the recency of, and number of, payments over 30 days late, collections, judgments, and bankruptcies. A single 30-day late payment can drop your score 15-20 points. Current Debts - 30%: Considers how much you currently owe (in absolute terms and compared with your credit limits), how many creditors you owe money to, and how much you could owe if you maxed all your available credit. Age of Accounts -15%: The longer your accounts have been opened the better. You generally need at least three accounts over one year old. Type of Credit- 10%: Bank loans, credit cards, and revolving credit accounts all impact you differently. Credit Enquiries - 10%: Numerous credit applications in the past 12 months is a no-no! This is a big benefit of having a Mortgage Broker, who pull your credit only once for multiple lenders. Besides the obvious (Bankruptcies, judgments, collections, etc.) the top Beacon killers are: If you have a lot of maxed out cards, bring them at least below 50% of the limit (below 30% is best). Your credit score can jump considerably in as little as a month. |
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One of the best investment decisions you can make is to buy Mississauga or Brampton Real Estate, buying Mississauga or Brampton Real Estate is a sound investment, based on the yearly increase in Mississuaga and Brampton, Buying Mississauga or Brampton real Estate is a good retirement fund. When buying Mississauga or Brampton real estate, a Mississuaga or Brampton House or Home you must have trust and confidence in your real estate agent. The MyDaddyHomes team is commitment to ensuring their clients are satisfied with the level of service they receive. The MyDaddyHomes team is committed to provide you with Real Estate Services second to none. Call us first and see what quality service is. Buying a Brampton or Mississauga home is a great investment. With a Brampton or Mississauga home you have piece of the rock. When comparing Brampton and Mississauga homes to other homes in the GTA, Brampton and Mississauga has the best to offer. Mississauga and Brampton homes come in all different type, You can get a starter Brampton home for around $210,000, a semi-detached Brampton home for around 240-270,000, a newer Brampton town home for around 260-280,000, a newer semi-detached for around $280-310,000. In the detached Brampton homes, you can get a 2000, sq, ft home for around $350.000 and then bigger Brampton homes from 350-600,000. So is a Brampton home a great investment? yes it is, Come join us and enjoy comfort and a great lifestyle in a Brampton home. Contact Brampton Real Estate agents, Edison and Arlene Samuel today. |
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Arlene Samuel, B.S.,
Broker, ABR
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Client Appreciation:
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Do you need help buying, selling or renting a home?
Edison: 416-258-3079
Arlene: 647-289-0038
Office: 905-456-1177
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FREE HOME EVALUATION
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HOUSE HUNTING TIPS
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New Listings Alert!
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One of the best investment decisions you can make is to buy Mississauga or Brampton Real Estate, buying Mississauga or Brampton Real Estate is a sound investment, based on the yearly increase in Mississauga and Brampton, Buying Brampton Homes for sale or Brampton real Estate is a good retirement fund. When buying Mississauga or Brampton real estate, a Mississauga or Brampton House or Home you must have trust and confidence in your real estate agent. The MyDaddyHomes team is commitment to ensuring their clients are satisfied with the level of service they receive. The MyDaddyHomes team is committed to provide you with Real Estate Services second to none. Call us first and see what quality service is.Buying a Brampton or Mississauga home is a great investment. With a Brampton or Mississauga home you have piece of the rock. When comparing Brampton and Mississauga homes to other homes in the GTA, Brampton and Mississauga has the best to offer. Mississauga and Brampton homes come in all different type, You can get a starter Brampton home for around $240,000, a semi-detached Brampton home for around 260-280,000, a newer Brampton town home for around 300-320,000, Newer semi detached houses for sale in brampton for around $320-350,000. In the detached Brampton homes, you can get a 2000, sq, ft home for around $380.000 and then bigger Brampton homes from 350-600,000. Brampton condos can start from $135.000 So is a Brampton home a great investment? yes it is, Come join us and enjoy comfort and a great lifestyle in a Brampton home. Contact Brampton Real Estate agents, Edison and Arlene Samuel today of you are planning on renting, buying or sellinga home. Thinking about renting, visit our rental pages, Brampton homes and condios for rent and you can also visit Mississuaga homes and condos for rent
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