Vancouver mortgage broker

  How can I avoid being a victim of identity theft? You can limit the potential for fraud by remembering a few key tips:When using your credit cards: Carry only the identification and credit cards you need when traveling, whether locally or abroadDo not carry your cards in your chequebookIf your ...

  What can I do to improve my credit score? Pay all of your bills on time. Paying late, or having your account sent to a collection agency has a negative impact on your credit score. Try not to run your balances up to your credit limit. Keeping your account balances below 75% of your available cr...

  Will inaccurate information in my credit report affect my credit score? This will depend upon what information is wrong. If the inaccurate information is used as part of the score calculation, your score will be affected. The majority of information used in the score calculation is found in the...

  What is used to calculate my score? Payment history - Indicates whether you have made your credit card payments, loan payments and other payments on time Amounts owed - Compares how much you owe to your credit limits with various lenders Length of time in file - Indicates how long you have had ...

  How do lenders view my score? Your credit score is an important indicator of your creditworthiness. In general, the higher your score, the lower the probability that you will become delinquent on credit extended to you. And while many lenders use bureau scores to help them make lending decision...

  Who can access my credit report? Federal and provincial laws are very specific regarding who can review your credit report and for what purpose. A company or individual may only obtain a copy of your credit report with your consent or after informing you that they will be reviewing your report....

  How is information in my credit report used? Credit information is gathered by credit reporting agencies, sometimes called credit bureaus. There are two major credit reporting agencies in Canada: Equifax Canada Inc., and TransUnion of Canada. Governed by provincial and federal laws, credit repo...

  What is in my credit report? Below is a list of the major sections found in your credit report: Personal Identification - Includes key identification information, such as your name, address, date of birth and Social Insurance Number (SIN) Consumer Statement - Allows you, the consumer, to add a ...

   What is a credit score? A credit score is a statistical formula that translates personal information from your credit report and other sources into a three-digit score. For example, when you fill out a loan application, pieces of information from the application along with information from you...

  How To Get More Referrals! Do You Know Exactly What To Say In The First 30-Seconds You Meet Someone? I’ve had two experiences that make me think about the importance of knowing what to say to people in the first moment you meet them, and how experiencing someone who KNOWS what to say in that mo...