| Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum. |
 | | 
01-27-2024, 01:02 PM
|
#19801 | | Need to Seek Professional Help
Join Date: Mar 2013 Location: Vancouver
Posts: 1,080
Thanked 1,279 Times in 440 Posts
Failed 28 Times in 4 Posts
|
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
Last edited by Mikoyan; 01-27-2024 at 01:12 PM.
| 
|  | |
01-27-2024, 04:25 PM
|
#19802 | | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,133
Thanked 2,976 Times in 1,368 Posts
Failed 58 Times in 33 Posts
| Quote:
Originally Posted by westopher  That's basically any car that's parked outside in the PNW. | It was parked inside at night almost all it's life. it was parked outside when my dad went to work though Quote:
Originally Posted by Badhobz You mean a white bmw grand coupe ? Or giant cunt ? | Counterfeit G37 coupe
| |
| | |
01-28-2024, 09:11 PM
|
#19803 | | RS has made me the bitter person i am today!
Join Date: Dec 2002 Location: YVR/TPE
Posts: 4,785
Thanked 2,868 Times in 1,233 Posts
Failed 619 Times in 195 Posts
|
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.
__________________
Nothing for now
| |
| | |
01-28-2024, 09:55 PM
|
#19804 | | in the butt
Join Date: Aug 2016
Posts: 2,839
Thanked 3,568 Times in 1,305 Posts
Failed 169 Times in 92 Posts
|
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
__________________ Quote:
Originally Posted by Mr.Money
i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna.
| | |
| | |
01-29-2024, 07:16 AM
|
#19805 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,052
Thanked 10,513 Times in 3,764 Posts
Failed 476 Times in 240 Posts
| Quote:
Originally Posted by Hehe 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 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.  (my parents for example)
| 
| | |
01-29-2024, 07:25 AM
|
#19806 | | :inoutugh:
Join Date: Feb 2008 Location: ඞ
Posts: 9,982
Thanked 5,849 Times in 1,842 Posts
Failed 970 Times in 279 Posts
|
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.
__________________
Posted from NE 1-J W Inglis Building | |
| | |
01-29-2024, 07:31 AM
|
#19807 | | I contribute to threads in the offtopic forum
Join Date: Sep 2004 Location: Canada
Posts: 2,906
Thanked 1,284 Times in 533 Posts
Failed 28 Times in 12 Posts
|
How long before credit is back to "normal" after someone finishes with debt consolidation? 6 months? 1 year? 2? 5?
| |
| | |
01-29-2024, 08:09 AM
|
#19808 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,358
Thanked 2,812 Times in 1,135 Posts
Failed 152 Times in 75 Posts
|
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.
| |
| | |
01-29-2024, 08:23 AM
|
#19809 | | I answer every Emotion with an emoticon
Join Date: Nov 2002 Location: 604
Posts: 7,915
Thanked 4,368 Times in 2,103 Posts
Failed 296 Times in 140 Posts
| Quote:
Originally Posted by donk. I dont think anyone knows how that shit actually works..... | 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 ... 
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.  | |
| | |
01-29-2024, 10:46 AM
|
#19810 | | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,133
Thanked 2,976 Times in 1,368 Posts
Failed 58 Times in 33 Posts
|
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.
| |
| | |
01-29-2024, 11:33 AM
|
#19811 | | In RS I Trust
Join Date: Mar 2003 Location: Mission
Posts: 20,730
Thanked 17,626 Times in 4,327 Posts
Failed 1,037 Times in 352 Posts
| Quote:
Originally Posted by SSM_DC5 How long before credit is back to "normal" after someone finishes with debt consolidation? 6 months? 1 year? 2? 5? | 7 years is when its clear on your credit file
| |
| | |
01-29-2024, 12:23 PM
|
#19812 | | RS has made me the bitter person i am today!
Join Date: Dec 2002 Location: YVR/TPE
Posts: 4,785
Thanked 2,868 Times in 1,233 Posts
Failed 619 Times in 195 Posts
| Quote:
Originally Posted by Badhobz 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. (my parents for example) | 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. 
__________________
Nothing for now
| |
| | |
01-29-2024, 03:50 PM
|
#19813 | | RS controls my life!
Join Date: Nov 2012 Location: YVR
Posts: 751
Thanked 523 Times in 269 Posts
Failed 64 Times in 21 Posts
|
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?
| |
| | |
01-29-2024, 04:12 PM
|
#19814 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,052
Thanked 10,513 Times in 3,764 Posts
Failed 476 Times in 240 Posts
| Quote:
Originally Posted by Hehe 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. | 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.
| |
| | |
01-30-2024, 09:32 AM
|
#19815 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,672
Thanked 9,365 Times in 4,073 Posts
Failed 427 Times in 225 Posts
| Quote:
Originally Posted by EvoFire Fuck frameless coupe doors. | Whaaaaat, I love my boneless doors.
Except when some dummy tries to close it by pushing on the glass.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
| | |
01-30-2024, 09:49 AM
|
#19816 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,566
Thanked 17,188 Times in 5,745 Posts
Failed 291 Times in 187 Posts
|
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.
| |
| | |
01-30-2024, 10:18 AM
|
#19817 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,052
Thanked 10,513 Times in 3,764 Posts
Failed 476 Times in 240 Posts
|
DESTROY HER! (in da butt) | |
| | |
01-30-2024, 10:19 AM
|
#19818 | | Orgasm Donor & Alatar owned my ass twice!
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,917
Thanked 6,649 Times in 2,678 Posts
Failed 253 Times in 139 Posts
|
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.
| |
| | |
01-30-2024, 10:36 AM
|
#19819 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,566
Thanked 17,188 Times in 5,745 Posts
Failed 291 Times in 187 Posts
|
What a weird thing to ask on a first date "Can you take a picture of me with your car?" lol
| |
| | |
01-30-2024, 10:38 AM
|
#19820 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,802
Thanked 11,459 Times in 4,687 Posts
Failed 436 Times in 279 Posts
|
Badhobz and I are both 100% positive this happens to you on a daily basis, 68style. With or without car.
__________________ Quote:
Originally Posted by JDMDreams Do you identify as lesbian | Quote:
Originally Posted by GLOW based on my haircut, maybe | | |
| | |
01-30-2024, 10:39 AM
|
#19821 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,574
Thanked 14,965 Times in 5,969 Posts
Failed 2,061 Times in 690 Posts
| Quote:
Originally Posted by 68style What a weird thing to ask on a first date "Can you take a picture of me with your car?" lol | Bra it’s a miata, the definition of a panty dropper
__________________
Dank memes cant melt steel beams
| |
| | |
01-30-2024, 10:55 AM
|
#19822 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,052
Thanked 10,513 Times in 3,764 Posts
Failed 476 Times in 240 Posts
| Quote:
Originally Posted by Traum Naturally, I didn't have another date with this girl. |  was she hot tho!?
a few scratches on a miata aint a thang if she looks like Margot Robbie Quote:
Originally Posted by bcrdukes Badhobz and I are both 100% positive this happens to you on a daily basis, 68style. With or without car. | yeh fuck you 69stylez
dont make me pull out that MS paint B-Line drawing... i still have it somewhere.
| |
| | |
01-30-2024, 11:18 AM
|
#19823 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,566
Thanked 17,188 Times in 5,745 Posts
Failed 291 Times in 187 Posts
|
It's not my fault I don't have STRANGER DANGER stamped on my forehead like you guys
| |
| | |
01-30-2024, 11:43 AM
|
#19824 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,802
Thanked 11,459 Times in 4,687 Posts
Failed 436 Times in 279 Posts
| Quote:
Originally Posted by 68style It's not my fault I don't have STRANGER DANGER stamped on my forehead like you guys | Suspicious Asians on the street = Danger 
__________________ Quote:
Originally Posted by JDMDreams Do you identify as lesbian | Quote:
Originally Posted by GLOW based on my haircut, maybe | | |
| | |
01-30-2024, 11:57 AM
|
#19825 | | Orgasm Donor & Alatar owned my ass twice!
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,917
Thanked 6,649 Times in 2,678 Posts
Failed 253 Times in 139 Posts
| Quote:
Originally Posted by Badhobz was she hot tho!?
a few scratches on a miata aint a thang if she looks like Margot Robbie | 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.
| |
| | | |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off
| | |
All times are GMT -8. The time now is 08:26 PM.
|
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
The banners on the left side and below do not show for registered users!
