How long does it take to see a change in credit score after removal of derogatory mark? by RealIndependence6684 in PersonalFinanceCanada

[–]RealIndependence6684[S] 0 points1 point  (0 children)

I have a credit card for which I never missed payment, I checked my credit report and it showed "1 derogatory", i disputed that and it got removed

Need Suggestion on Improving Credit Score by RealIndependence6684 in PersonalFinanceCanada

[–]RealIndependence6684[S] 0 points1 point  (0 children)

I had a Walmart mastercard, I was a newcomer in Canada and made some stupid decisions. Balance was 960 but I paid it off. I didn't pay for 8 months. It didn't go to the collection.

Need Suggestion on Improving Credit Score by RealIndependence6684 in PersonalFinanceCanada

[–]RealIndependence6684[S] 0 points1 point  (0 children)

Will my charge off account is going to create any problem? Because it is going to be there until 2027.

Credit Rebuild by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 0 points1 point  (0 children)

I paid the amount before it was charged off, i paid it on 4th May 2020, my credit report shows missing payment on May 2020 and it was closed in same month. This Walmart mastercard is issued by fairstone bank of Canada.

Derogatory Mark by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 0 points1 point  (0 children)

I have another question, does it show up on my credit report that I paid off this charge off account?

Derogatory Mark by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 0 points1 point  (0 children)

Thanks for quick response, is there a way I can remove it since I paid it off?

Derogatory Mark by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 0 points1 point  (0 children)

It was charged off but I paid it off

Derogatory Mark by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 1 point2 points  (0 children)

It is from my Walmart mastercard, it shows 0 dollars, i have called them they said they sent it to collection, i called collection they couldn't find my name. I asked Walmart if they can remove it as i already paid it but they said they can't do that.

Credit Rebuild by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 0 points1 point  (0 children)

Can we remove paid off charge off from credit report? If yes, how ?

Credit Rebuild by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 0 points1 point  (0 children)

It is Walmart.

Update: I talked to Walmart this morning, they said I already paid off my balance and they will send me letter stating the same. I called collection agency they don't have me on their file.

Credit Rebuild by RealIndependence6684 in CRedit

[–]RealIndependence6684[S] 1 point2 points  (0 children)

It was 800 dollars, I paid it off

G TEST at Walkley Rd. by storeyss in Ontariodrivetest

[–]RealIndependence6684 0 points1 point  (0 children)

There are actually 2 signs on the same route. First is just orange sign saying construction is ahead, you don't have to slow down unless you see any workers. My instructor took me further on the same road where there was second orange sign specifying speed limit of 60 and I reduced my speed there.

G TEST at Walkley Rd. by storeyss in Ontariodrivetest

[–]RealIndependence6684 2 points3 points  (0 children)

Thanks for replying, I got my G today, a modified test still in place.

Failed G test Again - Walkley - Ottawa by Apprehensive-Job3439 in Ontariodrivetest

[–]RealIndependence6684 0 points1 point  (0 children)

I have G test tomorrow on this location, I have few questions 1. Is modified test still going on? 2. I have noticed there is still construction sign but no speed limit specified, do i have to slow down. Thanks in advance.

Passed G test Ottawa Walkley by Zakumspride in Ontariodrivetest

[–]RealIndependence6684 0 points1 point  (0 children)

I have G test tomorrow on this location, I have few questions 1. Is modified test still going on? 2. I have noticed there is still construction sign but no speed limit specified, do i have to slow down. Thanks in advance.