What is Everyone’s Starting Credit Score?

Have you ever thought about what everyone’s starting credit score was before they even started building credit? Unfortunately, I made a mistake at one of my first banks which negatively affected my credit so when I finally checked my score, it was low. I always thought about what my score was or could have been at the beginning? Does everyone start with 0? Do they give you a few points in good...

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Posted in: Credit and Debt

Dealing with a collections agency (or, remember to pay your bills!)

collections agency, past due bills, collections agent, bill payment
Yesterday, I received a surprising phone call from a collections agency stating I allegedly owed $211 on a past Telus account (phone/internet/cable company). Naturally, I was somewhat shocked – I’m a personal finance blogger, how the hell am I being contacted by a collections agency? I have never missed a payment on, well, just about anything! After I got over the initial adrenaline burst...

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Posted in: Credit and Debt

Getting a free credit report in Canada

free credit report, credit score, credit card
Just a quickie today – I was pleased to knock this one off my list of things-to-do: If you’re in Canada, and you’re interested in checking out your credit report, the government of Canada provides some handy links for your convenience.  (I was actually surprised at how easy it was to find this information…)  From here, you can request a paper copy of your credit report from...

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Posted in: Credit and Debt
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