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Accordingly. [his vxvi, column focuses un credrt ratings: huw lheyn- ("duh lished, why they're sigmfi- cant. and how to attain and preserve good credit. Each time you horror, mum-y. you are also guarun- teeing to return the amount plus interest within a speck fied period. The lender then sends your finum’ial information In a credit rating agency, which details your deb! management in a credit Ci',','::):.',',',' are hrumuug pmgrrsxnrh murv rcharu an credit. llrxpm- “In-[hm the, ix " gumi m had (mud. nut nun-using drpvndrm'u on an!” mums wt. mus! mun-Island the unpurlume ut our credit rz-pon and 'ittrt. I efficiently remove dust and dirt sdiurmgaiions I reduce the level of bacteria on uplrolstered fumihm' by an average srpr8'3TiaWrgTr. Laurelwood Massage Therapy Clinic Teresa - Celina Roclawska RMT FURNITURECLEANING Clean delicate upholstery fabrics safely Complete Collision and Refinishing Service Q430 Albert Street. Waterloo 88 ’Northdale Auto Bod i'lllliliiili Tips on understanding your credit rating GrsTGraTresGTrd q Headaches/Neck/Shoulders/Back Pain . MVAISport lmjuriesfTertdonitits . Pregnancy Discomfort . Hot Stone Massage Therapy . Covered By Most Extended Health Plans Call For Your Appointment 586-1047x 00" IU‘I’I (extended hours) 532 Brookmill Cram Waterloo Nobody Cleans Better Than Sleamalic! (519) 893-0046 is how debt. l Il'dll bun-nus. [hr ("gm lll/dlltnh lhul uunpilr you! credit history and i,,mue d corres,por1ding ruling. rely on mnnus Mums for tor mtslatmg yuur stun" credit hislury in terms ol debt Iqmymenl and duration. uurr1'n1 amount of debt. kinds of credit being uti- tized, and new credit appli- cations. Certainly. these factors urvn'l weighted equally. [he most important one is how well you repay your llw three credit bureaus in Canada are Equifax. Trans Union. and Northern Credit Bureaus, “-1111” In: (hr mum pun tlte ' It‘dll mung [hrs nun tittitttt ml lush”) In detvr nnm- Ihr proltalulitv ul um ll‘lhulllg drhl Can us Valerie Foulton For the must part. your tinanrial history results in a number called a credit score, which will fall some- where between 300 and 900. A high score means you are good at managing debt. and you pose little risk to banks In other words, avoid keeping balances all your credit card 0r line of credit. Den-[up a strung and lengthy credit history, and refrain from frequent credit applications. It is your responsibility to slay informed about your credit rating. and husIm-ssz-s, It your (nail! sum- h [rest, than GOO, lamina begm to rumidvr you a possible [ISL and. as d result. they might retrain [rum offering you credit products Mime credit hum-nu agencies also uw u wow ol UH. but must are mm'lng In the three-digit system. lo 'mpr1rve your credit \t‘nrt’. ensure that you repay your debts quickly. and do um [any high levels of indebtedness For a fee. you can View your reports online. If you find an error on your credit report. you can notify the bureau. Instruc- lions for disputing errors should be outlined on the report. lhe forms lor requesting " report are available un the credit bureaus web sues. which I've provided below. You will need to fax or mail the torms to the appropriate bureaus. and the reports will he returned to you via mail. A [MINI sllll'l‘ Illt‘illlS Yotl might have dtiticulty wan lug low Tt1tert'mst-rate Indus. obtaining morrguges and credit cards, renting apart- nwms. and so on. Although the task Pi lulu» Imus, um um inquirv ahout your report tree ot dmrgu You should check your By implementing the strategies [unlined in this column. you should be able In improve your score. Remember. a strong credit More takes time to establish. And the first step is In request your credit reports. Here are the links: Equifax: wwwcequifaxcca: Northern Credit: www.cred, itlrureau_ca; and Trans Union: www.tuc.ca, Always keep a (up) at the request yum submit because n makes the more». t'tiMer when filling out subsequent requests, Without a good credit rating, your overall tirrancial situation is unhealthy. credit sun" nn a sunny annual u! annual has“ to unsure that [hr mlunnaliun Is Cttrrttl,