Icbc releases 2023's rejected personalized plates.
The funniest one to me is 'PORSCHE'

Officially rejected due to Intellectual Property grounds, but really, whomever submitted that has trouble counting to six.
Looking over the list, there are a fair amount of people who can't.

Also someone really wanted 'CHINA' or a variant of.
https://icbc.com/about-icbc/newsroom...licence-plates

It was parked inside at night almost all it's life. it was parked outside when my dad went to work though

Counterfeit G37 coupe

Does anyone know how credit score actually work?

I was just checking it as both me and wife have free credit monitoring. And while mine was always modest... like in the mid-high 700s. My wife is at a whopping 88x.

Not like I've been having problems getting anything I need. But I'm wondering what makes the difference between us.

We file taxes together. Our CCs are shared and always paid on time, both with mortgage of some kind and car loans at some point in life.

I dont think anyone knows how that shit actually works.....

It is strange that yours is so much lower, if everything is shared.
Did you cancel any old personal CCs recently? Open/close any form of accounts? Heloc? Etc?

Mine is usually quite high, but anytime i buy, remortgage, or sell a property it drops by 100-200 points, as it should

One time my credit dropped by 180 points out of the blue, so i went down the rabbit hole of contacting the credit bureau report people (equifax / transunion i think, this was years ago). And after wasting several hours talking / emailing people, noone could tell me the reason. Also the reports they provide is like deciphering a scroll from the 19th century unless your trained in credit reports

If you find out why, report back

i think it depends on how much % of your credit you are utilizing and if youre payments are on time or not. So if you messed up one or two payments accidently it'll reflect badly in your credit score for that month or two.

Also if you dont utilize your credit at all (no creditcard debt, no mortgage, no car payment, etc) then it also goes down.

Some of the most broke ass chinamen i know who are living pay cheque to paycheque got 850 on their credit score because they always make payments on time. :pokerface: (my parents for example)

Also there are two systems, Equifax and Transunion. Both of which are used by different financial institutions for credit checks. Thus those scores will differ as well.

How long before credit is back to "normal" after someone finishes with debt consolidation? 6 months? 1 year? 2? 5?

i think my score is about 850 which is considered high. doesn't mean you're rich or smart, just means you had a lot of credit products throughout your life and always paid on time.

it's like a measure of trust. you could be a trustworthy person but unless you're regularly put into a position of trust and never disappoint, then how could anyone know you're trustworthy? the more times you're tested and succeed the higher your score is. at least thats how it works in my head! i don't know the fine details of it.

This is so true ... 100% when I read it !! It's some weird mix of credit card, parking tickets (if it goes to collecting agency), loans, rental, mortgage, bank history, in some witches brew and a number comes up. I don't even know if a high number is good or a low one ... :lol

I think Equifax and whatever Credit Score company is behind data breaches of banks and credit cards. They break in ... then there is a report of data breach of your credit card or bank, then they 'gift' you a year of this shitty service at Equifax for free. :suspicious:

I was up in the 880 before until we bought a house. Then it dropped to something like 790. I don't care anymore since I have no big purchases coming up.

But yeah the typical answer of debt load, total available lines, repayment, deliquencies, queries. There was a story from a friend that a person went to look at a car at Applewood, and they did half a dozen hard queries on his credit despite not even seriously looking and it tanked their credit score.

My wife fucked up a few years ago when she had $30 on her US credit card that she forgot for a few months and it dragged her score down to the 600's. She couldn't even get the Costco Mastercard when they swapped from AE to MC as her credit score was too low and Capital One won't approve her.

7 years is when its clear on your credit file

mhh... now to think of it, I did apply for an AMEX Platinum (thinking that they are like their US counterparts with no FX fee but in CAD, already have the US one for business). When I got the card and noticed that the feature I wanted wasn't listed. I just canceled it. Maybe that's what's up.

No wonder the constant "you've been pre-approved for a credit limit increase" msg on my bank account suddenly went away.

But I don't think it's the amount of credit that one has access to though. RBC fucked up once. My wife has this RBC Visa under her that we never use other than some RBC visa promo, one day they called about a new fancier CC along with points AND *credit limit increase*, and my wife just said... "I don't need it, but sure. Points are good". And it went from a modest 10k limit to a whopping 150k. My wife actually had to call back to have it brought back down again to prevent any potential fraud. :fuckthatshit:

Anyone know If you buy a car in alberta from a dealer and pay GST, how much PST you pay when you bring it to BC?

Yeah Canadian Amex plat is garbage compared to the American ones. And the points don’t always transfer to their respective program 1-1 so you sometimes get fucked.

Whaaaaat, I love my boneless doors.

Except when some dummy tries to close it by pushing on the glass.

Glass closers and people who close/lift trunks by the spoiler are the same devil spawn...

I will sometimes place my fingertips on my MR2's spoiler to close the trunk, but I know to have a delicate touch and the trunk clicks easily closed... I once saw a girl I dropped off at the airport hand smash my trunk down by the spoiler with both her hands... she still breathes to this day, but she's dead to me.

DESTROY HER! (in da butt)

While we're on the subject, one time I drove a girl out to Spanish Banks after a lunch date in the Miata. She wanted to pose for a photo with my car, and proceeded to rest her bottom against the front fender while striking a pose. She was wearing jeans at the time, and I literally cringed and froze for a split second. Then I mentioned something else to distract her so that she would get her butt off my car, and I wrapped it up fairly soon and dropped her off.

Naturally, I didn't have another date with this girl.

What a weird thing to ask on a first date "Can you take a picture of me with your car?" lol

Badhobz and I are both 100% positive this happens to you on a daily basis, 68style. With or without car.

Bra it’s a miata, the definition of a panty dropper

:rukidding: was she hot tho!? :rukidding:

a few scratches on a miata aint a thang if she looks like Margot Robbie

yeh fuck you 69stylez

dont make me pull out that MS paint B-Line drawing... i still have it somewhere.

It's not my fault I don't have STRANGER DANGER stamped on my forehead like you guys

Suspicious Asians on the street = Danger :denied:

She was a very shapely lady, but she was wearing jeans -- the type that has those tiny metal buttons / rivets on the pants pockets! I swear I was expecting dents from the rivet / button into the fender when I checked it afterwards, thankfully, there were only some barely visible scuff marks against the clearcoat and they buffed out.