plen

I'm very concerned about the legitimacy of this site and I have reason to believe this is a hidden spam post. If not I have concern for your identity Kitty. They use the image for the Financial Consumer Agency of Canada http://www.fcac-acfc.gc.ca/ on their website, I find it hard to believe they share an affiliation with a government agency, They ask for credit card details, social insurance details, drivers license etc and claim to be affiliated with Transunion and Equifax but I highly doubt that. They do not use SSL for submission of these details. Their contact page only includes a feedback form. No address or phone number details. I'd stay away from this site.

Your personal loan you already have, has it always been in good standing? How much left and at what interest rate? Is consolidation an option? Surely there is an institution who would be happy to give you better than 28.899% even with 650ish scores?

Went to check my score tonight and noticed everything had changed at their site. They now don't offer a FICO score, it's called The Equifax Credit Score™ I had a FICO score from them of 609 on Jan.16 My new Equifax Credit Score is 663. I added a new TL which tripled my available credit, and a month more of aging on two other TLs that are only at 3 months old now. I like the design, the site is kinda slow right now though. There doesn't appear to be any changes to the Equifax Creditwatch Site.

This month I purposefully left $100ish dollars on my Capital One when they reported and I'm seeing that the $3000 CL is definitely included in my utilisation now. So I don't think this is an issue any more. At least not in Canada.

Not sure about bankruptcies but Capital One gave me a $3000 unsecured MC despite some old collections, though they were listed as paid. Why are you insistent on unsecured anyway? TD gave me a secured $1000 Green Visa once I proved all collections were paid

There's Paytrust by Intuit.

I recently paid a small old debt to CIBC for an overdraft account I left lingering. After paying the debt in full, the CA updated my TL with the fact that it was paid along with the comment "Update freeze requested by credit grantor". I called Equifax to confirm the meaning of this comment and they indicated that sometimes after paying in full your Date of Last Activity can be updated to the current date, thus leaving you another 6 years for the TL to fall off. By indicating such a comment my DOLA is still at 2005-07 and thus I'll only have to wait until July of next year for it to fall off.

This is a first ever for Canadians! Hopefully they'll start taking consumers a little more seriously now. From today's Toronto Star

Thought I'd contribute my recent findings. Capital One pulled both Equifax and TU TD pulled only Equifax Royal pulled only TU

In this thread from the frequently requested topics section, the not reporting of the high limit for Capital One is a concern as I get started repairing my credit. I was accepted for a $3000 card and I'm wondering if I have to pull the maneuvre of maxing my high balance and paying it off immediately to have this properly be reported? I subscribe to TU's Credit Monitoring Unlimited and checking my TU report, I see this in the More about this account >> section Past Due: Remarks: High Balance: $3000 Amt In High Credit Column (Disp 122-130 of Trade Segment) Is Credit Limit Terms: Limit: Last Activity: 12/14/2010 My TU score went up 25 points after this card was added but the section under Trends that reports my Available Credit Over Time it still reports $0. Thanks for any insight!

Stopping in to begin the journey of rebuilding my credit and learning and helping along the way. Particularly, the Canadian board could use a bit of content so I'll document my challenges and journey and ask questions there. G'day eh!