Did buying the house damage my credit rating somehow? Or should I worry that something fraudulent has happened?
When I was buying my first rental property this summer, the mortgage broker told me my Beacon score. It was excellent. Now (yesterday and today) a phone company has run two credit checks on me (once based on the CC I used for ID and another full report using my SIN) and it seems I`m a bad risk. I bought the house with 20% down, haven`t been late on a payment, don`t carry CC debt. Other than the rental property mortgage, I don`t have any outstanding loans other than a healthy HELOC of which only about $10k is used.
Should I order a credit report on myself? I`m worried that having three report inquiries in two days will make things even worse for my score.
When I was buying my first rental property this summer, the mortgage broker told me my Beacon score. It was excellent. Now (yesterday and today) a phone company has run two credit checks on me (once based on the CC I used for ID and another full report using my SIN) and it seems I`m a bad risk. I bought the house with 20% down, haven`t been late on a payment, don`t carry CC debt. Other than the rental property mortgage, I don`t have any outstanding loans other than a healthy HELOC of which only about $10k is used.
Should I order a credit report on myself? I`m worried that having three report inquiries in two days will make things even worse for my score.