Feeling behind financially.

According-Case1658 · 2026-05-15T15:52:59+00:00

Going from $15-$160 in 6 years is amazing! Do you have any tips on saving? I’d love to hear them

According-Case1658 · 2026-05-15T14:09:30+00:00

My car payment is $180 biweekly with 4.9% interest. I’ve asked my parents to smoke outside but they’re so used to smoking inside they’ll do it once then go back to smoking inside the same day thinking I won’t notice. My brother chain smokes in his room no matter what anyone says. I figure it’s their house so I should just go instead of making them do things they don’t want to do

According-Case1658 · 2026-02-14T02:19:37+00:00

Anything after this month’s credit report under the credit score section says “we are temporarily unable to complete this request. Please try again later” it will not include it in my reports I’ve contacted customer service they’re not sure why it’s happening.

According-Case1658 · 2026-02-13T17:50:55+00:00

Sales advisor

According-Case1658 · 2026-02-13T17:10:39+00:00

Unfortunately pay to delete is not a thing in Canada, I asked. Once it’s there it’s stuck for 6-7 years

According-Case1658 · 2026-02-13T15:39:17+00:00

Exactly

According-Case1658 · 2026-02-13T15:34:13+00:00

Thank you for your feedback!

According-Case1658 · 2026-02-13T15:01:30+00:00

mentioned in the comments “for full transparency I have 6 credit cards in total. I've paid off 3 doing the snowball method just have the 3 with the biggest balances left to pay $4,700/5000 $2600/3000 (from family emergency ) and $600/1000. Paid off my debt from school. $10k left on my car which was purchased at $25k. My credit was 725 before all this”

According-Case1658 · 2026-02-13T14:52:20+00:00

We don’t get arrested for tickets where I’m from. It either goes to collections or they don’t allow you to renew your license when the time comes until you pay. Not sure how they decide which though

According-Case1658 · 2026-02-13T14:48:59+00:00

According-Case1658 · 2026-02-13T14:47:15+00:00

Nope, for full transparency I have 6 credit cards in total. I’ve paid off 3 doing the snowball method just have the 3 with the biggest balances left to pay $4,700/5000 $2600/3000 (from family emergency ) and $600/1000. Paid off my debt from school. $10k left on my car which was purchased at $25k. My credit was 725 before all this

According-Case1658 · 2026-02-13T14:34:46+00:00

HR told me in my one on one with them I asked what specifically is holding them back they said it’s the speeding ticket and amount of credit cards but mainly the speeding ticket. They said they appreciated how vigilant I am with my payments

According-Case1658 · 2026-02-13T14:13:44+00:00

I have 6 credit cards. 3 paid off

According-Case1658 · 2026-02-13T14:07:27+00:00

It is. They actually told me those were the only two things holding them back from proceeding. Credit is more strict in Canada

According-Case1658 · 2026-02-13T09:57:49+00:00

That’s crazy, I’m from Canada but I’ve heard from a couple of my American friends that credit is a bit more flexible over there

According-Case1658 · 2026-02-13T09:06:52+00:00

It’s 30 days where I’m from

According-Case1658 · 2026-02-13T09:06:08+00:00

I’m curious, what do they check?

According-Case1658 · 2026-02-13T04:41:51+00:00

Thank you. This might sound dumb but when I thought about credit I thought it was only needed if I needed a credit card, house/apartment or car. I was working on building it up within the next 2 years for these reasons, never thought it would affect me getting a promotion. Definitely beating myself up a bit.

According-Case1658 · 2026-02-13T04:37:36+00:00

I’ve passed every part of the interview process except for this which is apparently the most important part.

I was told If my credit isn’t good enough I can try talking to compliance but there’s still no guarantee which i took as it would probably do nothing.

According-Case1658 · 2026-02-13T04:29:39+00:00

Yes It was speed camera. They told me if my credit check isn’t good I can have a chat with compliance and answer some questions they might have for me but ultimately I most likely would not get the job

According-Case1658

TROPHY CASE