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I got a report from Credit Bureau. It says: "Proportion of Balances to Credit Limits is Too High". Can someone explain to me how Credit Bureau works and how to improve my image.

They know everything about me: list of addresses I lived before; list of companies I worked; list of credit cards I had, including store cards like Zellers, Canadian Tire, Sears, and cancelled credit cards too; my credit limits and current balances.

I am not warrying about my financial situation. If I can borrow, I can repay. I have never let any of my debts go into default. I just have to find a way to let it truly reflect my picture.

Thanks 伯通 for the report. Thanks everyone ahead for replying to me.
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Replies, comments and Discussions:

  • 枫下家园 / 理财投资税务 / I got a report from Credit Bureau. It says: "Proportion of Balances to Credit Limits is Too High". Can someone explain to me how Credit Bureau works and how to improve my image.
    They know everything about me: list of addresses I lived before; list of companies I worked; list of credit cards I had, including store cards like Zellers, Canadian Tire, Sears, and cancelled credit cards too; my credit limits and current balances.

    I am not warrying about my financial situation. If I can borrow, I can repay. I have never let any of my debts go into default. I just have to find a way to let it truly reflect my picture.

    Thanks 伯通 for the report. Thanks everyone ahead for replying to me.
    • don't worry, your credit is OK, normally score above 650 is viewed good