The only "errors" are employers / landlords having enquiries in the hardpull section.. which I'm sure pulls down my score. This is only on transunion and they refuse to remove them..

Haha, yeah, I was a bit surprised when I saw that, $100, I was like, is this a joke? I've banked with PC Financial for at least 5 years too, never had anything bad take place on the account, always a positive balance etc. I guess that doesn't count for much with them though. My girlfriend ironically called RBC about her student loan application and on the phone they informed her she was automatically approved for a $2000 limit cc. Bear in mind, she has zero credit history, and has only banked with rbc for maybe 3 years. I guess I picked the wrong bank to bank with.. though I don't miss the $10+/month fee that RBC charges.

Yeah, I don't think it was my income or assets that held me back, both would be considered 'good' by most peoples standards. I did read that some credit cards require proof of income/employment, so I guess that's how they would go by someones income. Since PC Financial only gave me $100 worth of credit I think think they didnt even care what I earned or to prove it.

strange, some forums seem to say that being an authorized user counts for something.. even though i agree with your point of view, that it doesnt make a lot of sense that it would, since the authorized user isnt liable for any debt. anyways.. im going to try applying for the national bank mc1 card, which has a min credit limit of $500 and not overly stringent credit score requirements.. if that doesnt work ill be forced to go the route of secured credit cards. i cant wait to get a credit score so that i can be free of dealing with credit cards, i can just chop them up and keep them active so that my credit score stays in good standing.

No...you are only a user. Your credit had nothing to do with him obtaining the card hence....it has nothing to do with your rating.
If you charged to the max and defaulted...he would be held liable not you.

here's another thing i just thought about... im also an authorized user on my fathers credit card for about a year and a half now.. i have a card with my name on it etc.. that card has a 1500 limit. oddly though, on equifax and transunion reports ive pulled in the past month, this card doesnt show up. is that normal? or should i call mbna and tell them to report the card to the agencies.

i dont understand the jack benny reference but yes, i may go get a $500 secured card from scotia bank.. although, do you think getting a $1000 or $1500 secured card would help my credit score even more? or does it not make any difference. I could put up to $2000 on a secured card if I thought it would increase my score faster, but I don't want to do that if $500 will be just as good.

Are you sure about that? I mean, $100 must count for something, my transunion states for instance a history of paying on time and in full with an R1 rating. I've tried to find a webpage stating that having higher credit available will provide a better score, but no pages will confirm that, all they say is that it can help through having a lower percentage of credit utilization through your balances being a lower percentage of available credit.. which isn't a factor for me as I carry no balances ever. I suppose I would consider getting a secured credit card to help increase credit if you think the $100 isn't worth much.. but then how much secured credit should I go for? $500, $1000, $1500? I prefer the smaller number since having capital sitting with a credit card company collecting no interest isn't really sound economic sense to me.. plus, by creating a credit history through a secured card, unless the cc company becomes generous one day and switches it to unsecured, I will effectively have my credit score tied to a secured card, which means having that money kept hostage if I want to keep my credit score in good standing.. again, a route I'd prefer to avoid.

Don't worry about my ability to pay, I say "I can't afford $15", but that's really my way of saying "I'm a cheapskate who hates the idea of spending $15 just to get information that I can't do anything about anyhow". I've gotten the credit reports and made sure there are no incorrect entries, those cost me nothing and they provided me with information on what might or might not be bad entries to get corrected. Getting credit score doesn't seem overly valuable to me, not worth $15 anyhow.

I did ask them to increase my limit recently, on the one year anniversary of receiving the card, and they just bs'd me with "we don't accept requests like that, we automatically periodically review your credit card and make a decision on that". So... credit is annoying, it's why I have avoided it all my life, I pay everything in full, I don't "need credit cards', or "credit availability". I never understand people who live a life floating on credit, but I suppose for some people they make it work. My problem is, now 33, I've come against some brick walls in trying to rent apartments, with the vacancy rates across canada so low right now landlords are asking for more and more and my lack of credit history has been making it challenging to find landlords who will accept my applications. This is the only reason I am trying to increase my credit score, but I don't want to spend loads of money just to do so, if I can avoid it, nor do I want to have to have $500 - $1500 held hostage by a credit card company in order to "purchase a good fico score".

Um... Thank you for what?

I have never bothered with credit in my life until last year when I decided that it was probably a good idea to start, even if late.

I applied for a PC Financial Mastercard, they accepted my application but only gave me a $100 credit limit.

I use this card regularly online for purchases, always stayign below $100 and always paying it off online immediately within minutes of charging, so that I never have a balance at the end of the month showing.

One year on and my credit score must still be low, I can't afford to spend $15 to see my credit score and my free credit reports don't show anything 'bad' on them. But I recently got the idea that by only having $100 credit available that my score would likely never increase, because even a braindead person can handle $100 worth of credit. So, I tried applying for a card and was told that my credit score was too low.

Where do I go from here? Should I simply stick with my $100 card and hope that over time with responsible use my score will improve? Or should I try to apply for another card again and maybe it was a fluke I was rejected. Or should I go the secured cc route.. something I don't like the thought of and would prefer not doing if I don't have to.. I'm a bit of a control freak and the idea of a credit card company holding onto $1000, giving me no interest on it or anything, kind of irks me.

So.. basically I'm curious to know, does ones available credit even matter for the credit score? With equal responsible usage could a person with $100 available credit have just as good a score in the same amount of time as someone with $100,000 available credit?

Thanks