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BUILDING A GOOD CREDIT HISTORY Along with millions of other Canadians, you have a credit history that is kept on file by companie called credit reporting agencies. They track how you use credit products such as credit cards and loans, and pay your bills. This information is used to create your credit report and credit score. These are some of the main tools lenders use when they decide whether they will lend you money and how much they will charge you to borrow it. Employers and landlords may also use credit reports to get a sense of your reliability. Your credit history is created when you borrow money or apply for credit for the first time. Lenders send information about your account to the credit reporting agencies. Credit report contains factual information. They record when you opened your account, how much you owe and whether you make your payments on time. They further record whether you miss payments and whether you go over your credit limit. Mobile phone and internet accounts may be reported even though they are not credit accounts. Chequing and savings accounts that have been closed “for cause” due to money owing or fraud committed by the account holder may also be included. Credit score is a three-digit number that is calculated using a mathematical formula based on the 10
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information in your credit report. You get points for actions that demonstrate to lenders that you can use credit responsibly. You lose points for things that show you have difficulty managing credit. In Canada credit scores range from 300 to 900 points. The best score is 900 points. Your credit score will change over time as your credit report is updated. Credit reporting agencies are private companies that collect, store and share information about how you use credit. An agency is also called a credit bureau or just a bureau. These agencies are governed by regulations that cover many parts of their business, such as who are allowed to see your credit report and what it can be used for. In Canada there are two main credit reporting agencies: Equifax Canada and Trans Union Canada. These agencies sell credit reports to their members that include banks, credit unions, and other financial institutions, credit card companies, auto leasing companies and retailers. Other organizations also use it to check your use of credit and personal trustworthiness. Those allowed to use your credit report include mobile phone companies, insurance companies, governments, employers and landlords. When a lender or other organizations “checks your credit” or pulls your report, it is accessing your credit report at the credit reporting agency, this is usually recorded on your credit report as an “inquiry”. www.digitalcopyworks.com
Lenders provide the information in your credit report to the credit reporting agencies. Other sources of information include collection agencies, offices that handle child support and public records filed with courthouses. Lenders, employers or landlords can only use your credit report when you give your consent. Usually when you sign an application for credit you allow the lender to access your credit report. Your consent generally lets the lender use your credit report when you first apply and anytime afterward while your account is open. In many cases your consent also lets the lender share information about you with the credit reporting agencies if you application is approved. Rules can change from province to province. Your credit report may contain personal information such as name, date of birth, current and previous address, current and previous telephone numbers, social insurance number. It further may contain your driver license number, passport number and current and previous employers. Your credit history information will include credit account and transactions, such as credit cards, store cards, lines of credit and loans as well as telecommunications transactions and negative banking information.
from lenders and other who request you credit report. Remarks including consumer statements, fraud alerts and identity verification alerts will also be included. By law, negative information can only be kept on your credit report for a certain length of time. For most information, the maximum is six or seven years. The exact amount of time varies by category and by province or territory. Positive information may be kept longer. What you need to build your credit score. The actual formulas used to calculate credit scores are the property of private companies and are not available to the public. This means it is not possible to know exactly how many points your score will go up or down based on the actions you take. However, the main factors that are used to calculate your score include, payment history, use of available credit, length of credit history, number of inquiries and types of credit. Check your credit report a least once a year for errors and signs of identity theft. You have the right to dispute any information on your credit report that you believe is wrong. You can ask your credit reporting agencies to correct errors it’s free.
Negative bank information would be recorded in the public records section of your credit bureau. Public records would include bankruptcy, legal judgements and registered items, such as a lien on a car or house. It further records debts sent to collection agencies and inquiries
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CO-OP TALK TO YOUR CO-OP CARIN JENSEN
TABER PHARMACY MANAGER
HARSH PATEL
NORTHLANDS PHARMACY MANAGER
CURTIS RUSSELL
13TH AVENUE PHARMACY MANAGER
PHARMACIST TODAY TO GET STARTED.
P PHARMACY FREE DELIVERY* FREE FLU SHOTS FREE MEDICATION
REVIEWS
FREE INJECTIONS* FREE SMOKING CESSATION PROGRAM See us for your Blister Packing needs. *Some Conditions Apply.
13 AVE. CO-OP MALL PHARMACY 3030 - 13th Avenue S.E.
NORTHLANDS CO-OP PHARMACY 10 Northlands Way N.E.
TABER CO-OP PHARMACY 4926 46th Avenue, Taber, AB
403.528.6604
403.528.6608
403.223.5984
ANSWERS
1) Existing home sales, new home building and mortgage interest rates. 2) Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies. 3) The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself. 4) The home of Bill Gates, co-founder of Microsoft, features the latest futuristic computer technology. 5) Sweden’s popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter. 6) Mongolia, where 100% of all properties are owner-occupied. 7) Forty-four percent of home-buying households are made up of married couples with dependents. 8) Technology that “enables” a home with features such as structured integrated wiring and broadband Internet access is the current amenity of choice.
(Liquor Store)
OPEN 7 DAYS A WEEK
10am - 12am Midnight (Monday - Sunday)
Always LOWEST Price
Check IN Store for Special Draws and Sale Items
403-487-5121
568A Rutherford St. NW, Medicine Hat, AB
(12 Street NW) Next Door to Cheers Pub
3168A Dunmore Road SE Medicine Hat, AB T1B 2X2
Ph: 403-529-2277 MON - THURS 11AM-10PM
FRI - SAT 11AM-11PM
SUNDAY 12PM-9PM
Brooks, AB
Ph: 403-794-1616 16
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20 Northlands Way NE Medicine Hat, AB T1C 1Z2
Ph: 403-580-2227 MON - SAT 11AM-10PM
SUNDAY 12PM-9PM
Swift Current, SK
Ph: 306-773-3463 www.digitalcopyworks.com
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A very effective advertising tool is the customized coffee mug. Coffee mugs come in several styles and options from ceramic to insulated. Statistics show that promotional coffee mugs are kept for over 6.5 years and are used at home, at the office or in the vehicle. They are used where other people can see them giving your company or event recognition for years. Promotional product giveaways build your customers opinion of your company
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and people love to buy from whom they trust and like. Unlike other medias of advertising, the coffee mug stays around for prolonged exposure of your logo or message. The advertising is free and the return is guaranteed. Promotional mugs are excellent to give to your employees, customers and businessto-business as well as donations to charities. Everyone uses mugs for their beverages daily. Be sure to research all the options from the high quality to
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Get creative, search out the mug that will work for your needs and design a keeper.
the economical choices - which best suits your need. Discounts are usually available for higher quantities. The mugs can also be used as an incentive purchase with a specified amount of the sale. ie: Get a Free mug when you purchase. Remember to include your name/logo and contact information as most coffee mugs have a substantial imprint area which can
be one sided, 2 sided or a complete wrap around with photos and pictures. All that information is then visible daily to anyone who is around your promotional mug and if it is a travel mug, it will travel. Some people carry their travel mug with them everywhere they go – now that’s visibility! Look around you, study the mugs in people’s hands – how many have a “special” mug on their desk – people get attached to their mugs. With so many new styles and colors available it is not hard to offer a mug that would soon become “special” and the owner would not want to part with it for quite awhile. Mugs are extremely durable, washable and reusable. Use your promotional mugs for festive events, such as holidays, birthdays, events and more - fill the mugs with candies, tea bags, sparkles and give them away as gifts. A coffee mug filled with treats and wrapped up pretty with ribbons is always a popular give away and the options are endless. Without question, mugs are an indispensable promotional tool making their presence into the relationships of your customers and associates. Get creative, search out the mug that will work for your needs and design a keeper. Of course with summer coming don’t forget to include an imprinted water bottle for those outdoor events.
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