Folks here will be able to help you best if you tell them the following:
Have you ever pulled your credit reports? There are three credit bureaus: TransUnion (TU), Experian (EX) and Equifax (EQ). Each one will have a separate report. When is the last time you pulled each report?
According to your credit reports....
* How many credit cards do you have? List the amount owed and credit limit for each one (as it appears on the report).
* Do you have any open installment loans? Installment loans are things like personal loans, mortgage loans, student loans, car loans, etc.
* Do you have any "derogatories" listed? These include things like late payments, collections, chargeoffs, bankruptcies, liens, judgments, etc. I see that you wrote "I no longer have collection items they have been paid." Just because a collection has been paid doesn't mean it goes away from your credit report. In fact normally that does not happen.
Are there ways that your credit reports (TU, EX, EQ) seem incomplete or incorrect? For example, maybe you have a credit card but you don't see it on the report. If so, in what ways do the credit reports seem off?
I wonder if you might benefit from talking to some of the contributors on the forum who are Canadians. My understanding is that TU, EX, and EQ often don't have Canadain credit cards on them. Maybe one of the moderators can hook you up with someone who understands your situation better -- most of us are Americans and we don't want to steer you wrong.
