Makivik Magazine Issue 72

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Equifax Canada Inc. Box 190, Jean Talon Station Montréal, Québec H1S 2Z2 gê8Ng6: 1-800-465-7166 sçMstz: (514) 493-2314 hv5gƒDtz: (514) 355-8502 cEbsI4f5: www.equifax.ca ®Ns/tA5-yM5gn3is2 grym1axEx6 xoxN3gdtz cspm“5 vNbu xro5nÌD8Ns†5 y4rÌWq5 kwbsoÖ8Ng[isQxq5 !(^)–5 x3ÇAq5 etzî5tlQ5V ®NsI4f[7j5 giIs§5 xro5nÌD8Ns†5 y4rÌWq5 eg3qsic§5 (.() - !(.( Sn8ti4 x7ml is[3ix[8k5 giIs§5 eg3qsDtq5 S3gic§5 @$u5 @*.* Sn8tk5 trstJi4. probably a lower interest rate. If you have a bad credit rating, you will have a harder time getting a loan and you will most likely pay a higher interest rate. Tips to improve a blemished credit rating • Pay your bills a few days before the due date because late payments will be reported and added to your credit history, which can hurt your credit rating. • Don't go over your credit card limit. Constantly having your credit card near the limit is considered a bad sign for the credit card companies or banks. Keep a low balance and you will pay less interest. If you make a big purchase with your credit card, pay it off first before using it again and pay more than the minimum balance every month to pay it off faster. • Keep no more than two credit cards. Every time you submit an application for a credit card or loan it is registered in your credit report. If you apply for numerous credit cards or loans within a short time span, it is a negative indicator because it implies that you are in a bad financial situation and you are looking for money. • Use cash advances on your credit card only for an emergency. Beware that if you withdraw cash from your credit card, interest is higher and charged from the day you borrow. • Remember the "seven year rule" whereby all information — good or bad — stays in your credit report for seven years. For instance, if at age 20 you made bad decisions, it will stay on your credit report until you’re 27. But to have an excellent current credit rating is more important than poor credit items that are older. • Talk to a bank representative or the credit card company to help you find a solution if you can’t pay off your debts. If you’ve never had to pay bills, borrow money from the bank, or own a credit card, it means that you have no credit history. If you want to borrow money to purchase a big-ticket item in the future, it would be wise to apply for a credit card and use it responsibly over time to build a good credit report and rating. Obtaining your credit report You can get a free copy of your credit report once a year from the address below. Provide your full name, date of birth, current and former addresses, daytime telephone number, and a photocopy of two pieces of signed personal identification such as a driver's license, social insurance card, or Medicare card. Equifax Canada Inc. Box 190, Jean Talon Station Montréal, Québec H1S 2Z2 Toll-free: 1-800-465-7166 Tel: (514) 493-2314 Fax: (514) 355-8502 Web site: www.equifax.ca BOB MESHER Penny-Wise Fun Fact Did you know that in Canada credit cards were only introduced in the mid-1960s? For bank issued credit cards, the interest rates range from 9.90 percent to 19.9 percent and retailer-issued credit cards (such as Sears, Canadian Tire, and HBC) interest rates range from 24 percent to 28.8 percent. MAKIVIK mag a zine 41
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Makivik Magazine Issue 72

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