Maxine, if you got your own credit report by mail, you can do it monthly if you like, it does not report on your file, it's also good to do if you suspect your credit has been compromised by scammers.
If you see things on your file that aren't yours you can dispute it with Equifax and Transunion, they have a form you can submit. check out their websites.

Maxine, if you got your own credit report by mail, you can do it monthly if you like, it does not report on your file, it's also good to do if you suspect your credit has been compromised by scammers.
If you see things on your file that aren't yours you can dispute it with Equifax and Transunion, they have a form you can submit. check out their websites.

This was posted on 2011, cant' remember month.

I just got this credit report in the mail and wondering if someone could translate it for me.

Payment Profile Account
The account has been 2 payment periods past due 05 times
The account has been 3 payment periods past due 0 times
The account has been 4 or more payment periods past due 0 times
From 2008/11/00 to 2010/01/18 there has been 18 reportings for the revolving account with the monthly payment frequency and was reported delinquent 5 times as follows:

2010/12/17:2, 2010/09/17:2, 2009/05/00:2, 2009/02/00:2, 2008/11/00/:2 All reportings were paid as agreed.
PUBLIC RECORD OF INFORMATION
A collection was reported in 08/07 by (Name of business) Saskatoon in the amount of $460
Balance outstanding: $725 Reference: *******. Date of last payment 09/06
Additional Comments: Included in bankruptcy. Collection agency number #****

A collection was reported $ DA Collection CO in the amount of $340. Balance Outstanding Date of last payment 08/07. Collection Agency # ****

A proposal to creditors was filed in 03/07 in OFF SUP BKRPT. Myers Norris Penny Liabilities $ *******. Assets $100 Defaulted Proposal Deemed Annulment.

Credit Inquiries to the file: An inquiry made by a creditor will automatically purge (3) years from the date of the inquiry. The system will keep a minimum of (5) of the inquiries.

Credit History and Banking Information: A credit transaction will automatically purge from the system (6) years from the date of the last activity. All banking information (Checking or Savings) account will automatically purge from the system six (6) years from the date of registration.

Registered Consumer Proposal: When it is paid in full, it will automatically purge 3 years from the date paid.

I did take out a Consumer Proposal and didn't follow through with my payments which i thought wasn't bankrupt? which i see in my credit report.

Thank you,

Maxine

Do you have any negative items on your credit file?

I have had my credit card since June 2012 and also i started financing my vehicle around August 2012. My last credit score when i checked was at 508, but haven't check in aobut 4 mths, not wanting to hurt my credit.

good credit takes time..... months and years....

how bad is your credit? what is your current credit score?
How long have you had credit for? IE... 1 year ... 20 years?

what did you do to make your credit bad?

How long does bad credit take to repair??

How many points or how long does it take when financing a vehicle for it to reflect or show up on my credit ?? I just got my vehicle in August. Started paying on August 24, 2012.

How many points or how long will it take for my secured capital one mastercard to reflect my credit score?? I just got the mastercard in June 2012.