Makivik Magazine Issue 72
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Penny-Wise<br />
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By Sheila Makiuk and Andy Pirti<br />
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Answers about credit<br />
A credit report is mainly a history of your past and present financial<br />
situation. In short, it includes personal information such as your<br />
name, date of birth, and address. It chronicles your employment<br />
background such as where you worked, your duration of employment,<br />
job title, and income. It details your current and outstanding<br />
debts as well as a history of whether you’ve paid your bills on time<br />
or made any late payments. It states your available credit and who<br />
have made credit inquires about you, such as when you’ve applied<br />
for a credit card or a loan at the bank. It also records any bankruptcies<br />
or unpaid taxes. A credit rating is like a grade that's based on<br />
your credit report to measure how well you do with your finances.<br />
Banks use it to decide whether or not to give you a loan.<br />
Juanasi's goose decoys<br />
Juanasi lent goose decoys to fellow hunters Markusi and Adamie<br />
who each promised to return them in good condition and within a<br />
certain amount of time. As promised, Adamie returned his decoys<br />
within a few days and in perfect condition. Markusi, however,<br />
brought back the other decoys later and they had been damaged.<br />
Consequently, Juanasi will think twice about lending Markusi any<br />
of his decoys again because he knows from this experience that<br />
Markusi may not take good care of them or return them for a long<br />
period of time. However, Juanasi will continue to lend Adamie his<br />
decoys because he expects they will be returned in good condition,<br />
within the amount of time agreed. In this case, Juanasi is<br />
like a banker — if the borrower doesn’t respect his promise, as<br />
in the case of Markusi, the bank will consider him a risk and will<br />
not want to lend him anything.<br />
The importance of a good credit rating<br />
If you want to buy a big-ticket item such as an all terrain<br />
vehicle, a pickup, or a boat, you will likely need to borrow money<br />
from the bank. The bank will decide if they should lend you money<br />
using the information in your credit report and your credit rating.<br />
If you have a good credit rating it will help you to get a loan and<br />
SAMMY KUDLUK<br />
40
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