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Tag: Wikipedia

New Year’s Resolutions! I Wish I Could Get Financial Comfort and Joy

New Years Resolutions - I Wish I Could Get Financial Comfort and JoyAre you ready to make New Year’s resolutions for 2013 to improve finances? Learning from mistakes is an excellent way to land on a right path but what happens if we don’t stick to the objective; in deed we will lose another year without getting financial comfort and joy. According to a recent survey that has been conducted through Credit Canada and Capital One which states: majority of Canadian men and women shows good concern to agree on money making resolutions but when it comes to practically go forward to carry on, they don’t. It means large majority of such individuals can easily get out of the financial worries if sticking with their commitments.

According to Wikipedia (what is resolution): “A New Year’s resolution is a commitment that a person makes to one or more personal goals, projects, or the reforming of a habit. A key element to a New Year’s Resolution that sets it apart from other resolutions is that it is made in anticipation of the New Year and new beginnings. People committing themselves to a New Year’s resolution generally plan to do so for the whole following year. This lifestyle change is generally interpreted as advantageous.

Financial resolution is the most important among various common resolutions that don’t even directly effects our personal commitments to improve finances, good credit score, credit repair, get out of debt and save money but also indirectly effects our everyday life related to non-financial resolutions because organising our personal habits, goals and achievement programs, not even help us to get best results for these but also improve personal finances.

New Year’s financial resolutions may be different with different age groups, early age requires to concentrate more specific goals related to education and career enhancement programs, mid age requires to concentrate on such goals that help to boost income and streamline your investments and savings programs and old age is the time to get retirement benefits for all of your accomplished goals. Moreover, check your credit occasionally to get a clear picture about your financial status to enhance creditability by eliminating problems and mistakes.

Following are few of the suggested personal financial resolutions that you can keep to consider in the New Year:

  • Establish your credit rating, it will help those individuals who are new and have not initiated their credit file yet to achieve good credit score in advance to get loans on best interest rates when in need.
  • Repair your bad credit rating; it will help you in getting your normal financial life back to enjoy all the benefits and savings that good credit history does.
  • Pay off credit cards and loans; get out of debt, debt load reduction and settlement.
  • Make an emergency fund.
  • Get insurance to protect your life, business and assets.
  • Make a retirement plan, open and contribute to a Tax Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP).
  • Consider saving for education.
  • Reduce credit cards and use it responsibly.
  • Reduce spending to save more; make a budget to track your spending.
  • Make a savings plan, set up an automatic system.
  • Start tax planning for 2013 now.
  • Enhance your financial literacy and or find the right financial advisor.

As we are all planning to celebrate great events on this holiday season while spending lot of money, organising entertaining programs for family and friends and getting gifts for our love ones. But before you get started for your holiday shopping, you should first make a list of your spending; make a budget within your means and if there is something you want on credit then don’t take expensive loan or extra spending through your credit cards that you can’t payback in full. If you didn’t fulfil your previous year’s resolution then it’s a best time to continue with your new year’s resolution by entering into new year without carry forwarding any financial liability to the next year, it will definitely help you in sticking with your commitments from the beginning and keeping up with the same trend can bring up success in accomplishing your new year’s resolution next year. It’s a productive self-commitment to get financial comfort and joy as it will help you in saving and making money many times over in the years ahead.


Understanding Your Credit History When Your Credit Report Shows Two Different Credit Scores

It’s a good idea to request a copy of your credit report also know as credit rating from the two credit-reporting agencies in Canada: Equifax and TransUnion, at least once a year to verify that your personal and financial information is up to date and correct, and to ensure that you have not been the victim of identity fraud. Its possible you may get different credit history with these two, because your credit information can be kept by more than one credit-reporting agency, and because those agencies do not necessarily share information, it’s important to check all two-credit reports carefully.

Its quite natural and people does understand well that there is always a possibility to get different credit history with the two different credit rating agencies working separately collecting data of every individual to build consumer credit files, some times errors and omissions do occur with each ones exclusive records but if transaction found in both records it is assumed that the record is correct but on the other hand if this transaction is false without the knowledge of consumer then it may be a fraud that happens to consumer record while using social insurance number or any such private identity documents, but what happens if you get two different credit histories with the same credit reporting agency for the same period, in deed it felt confusion but its been happening in Canada and most of the Canadians are not aware of it. Wikipedia is a great knowledge hub where you can find where its been highlighted as “More than One Credit History Per Person”.

How do you feel if same person gives you two different answers for your same question? It doesn’t happen only in Canada, but people can have more than one credit history in some other countries too. Reason behind this double credit history with the same credit rating company is, if person who already has applied for some sort of credit before obtaining a Social Insurance Number would come under two separate credit histories, one with SIN and one without SIN. This is due to the credit reporting structure in Canada. This can lead to two completely separate parallel histories, and often leads to inconsistencies (although typically the person in question will never notice the inconsistencies), because when a lender asks for someone’s credit report with SIN, what the lender gets is different from what he would have gotten if he asked the report without providing the SIN. This is because, contrary to popular belief, when someone gets a new SIN for whatever reason, the two credit files are never merged unless the person requests specifically. As a result, a record with SIN zeroed out is kept separately from a record with SIN. Note this happens without the person even knowing it.

Our social insurance number SIN plays a most important role in our life because it also authenticates our credit history. Most of the people don’t feel confident while using their SIN publicly, or submitting it through phone, mail or email. I have checked this question which most of the people do have in their mind with the Financial Consumer Agency of Canada on its website http://www.fcac.gc.ca, about this double credit history with or without SIN in the hope that it may highlight some important points for consumers to benefits but could not get the answer even its search engine doesn’t recognize these sentences, “Credit History with or without SIN” and “more than one Credit History per person”. Although this is highly recommended resource that Government of Canada offers to the general public that contains general information on how to build or improve credit history, and how to check for signs that identity theft has occurred, also offers free publication called Understanding Your Credit Report and Credit Score. This publication provides sample credit report and credit score documents with explanations of the notations and codes that are used. As a Canadian resident, you can order your free copy by mail; available in both soft and hard paper bindings.

You have a choice of either Trans Union or Equifax as the Credit Bureau to obtain your credit check from, as both are equally effective. Trans Union is automated and available to you 24/7 in less than 2 minutes; Equifax is only available during business hours and generally takes between 5-15 minutes to upload to your account. Moreover, always check your credit history while providing your SIN, because it provides all the credit activities, which involve your social insurance number, you can also not even instantly detect frauds and threats to your credit file but report any inconsistency in timely manner. And if you are getting your credit history by online resource other than these credit rating companies, always check availability of secure server on specially form submitting page (website address bar should starts with “https://” and a small “lock sign” at the bottom bar of your computer screen) while submitting your social insurance number into the prescribed form used for the purpose.


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