Give Me Back My Five Bucks

Currently browsing: credit score

I finally know my credit score

Well I decided to take the plunge and check out my credit score on Equifax. Since I’m looking to buy property in the next year, I want to be able to give myself enough time to fix any errors I find on my report, as well as boost my score. It’s not as bad as I thought it was going to be, but it’s also not that great either. Okay, so it’s 727. There, I said it. It’s out in the open for the whole blogging world to see. Not that a lot of people read this blog, but you know what I mean. Anyway, I’ve noticed some errors in my report … a few accounts that have been paid off, some closed accounts that still say they’re open. I’ll have to find my documentation and send it in so I can get that junk off. I think that once I finish paying off my student loans, and not apply for anymore credit, I’ll be fine. 727 isn’t bad, is it? I mean, I know it’s not great, but it’s not exactly a double digit number.

But as for my accounts that have been paid off and I don’t use anymore, should I close them? One of them is a joint account that my dad helped me set up, and I really want to close that one off since I haven’t even used it in like 3 years. But it’s also my oldest account, so I’m not sure. I think I’m going to spend some time today researching up on credit scores, because I don’t want to do anything that could affect my score in a negative way.

In other news, I’m finally going to see my accountant on Friday to file my taxes. I’m hoping that since I have a bunch of unused education credits from previous years, and I’m writing off a bunch of business expenses, that I get a good sized refund. I should, since I was still in school last year, but you never know!

Page 4 of 4«1234

Buy the Book!

A beginner's guide for Canadians looking to get their financial life in order. Get great info on budgeting and saving, RRSP's and pensions, investing types, insurance, and where to go for additional resources.

Recent Tweets

  • Tried to get away with just a 50L backpack for our bike/camp trip this weekend but have to pack tarps & rain gear just in case.
  • @Poochsmommy ... maybe one day we'll get an actual hockey pitch in Burnaby.
  • @Poochsmommy Are three really needed for Commonwealth Games??!

Instagram

  • Good morning! mayneisland
  • Home for the next 3 nights secretcampingspot
  • Took an hour yesterday to meal prep Seemed annoying athellip
  • Finally got to check Mt Harvey off the list! hellip
  • Celebrated our two year anniversary today with a bike ridehellip
  • No big deal just met bluejays legend Fred McGriff athellip
  • Rode our bikes over to Campbell Bay today for somehellip
  • Sushi date night! The rolls never turn out to behellip

© 2017. Give Me Back My Five Bucks. All rights reserved. Powered by WordPress & Designed by Mike Smith