And that, is just about it. A few inquiries, none initiated by me. I have no positives at all, I've avoided credit on most levels. I do have a digital phone account (not reporting), and I do have a Direct Merchant's Bank card which hasn't reported me to any of the CRA's even though I have had them for 8 months and have paid perfectly, and kept low balances. The question is, how bad off am I? I need to buy a newer car. I'd like another card with a larger balance for work travel. What should be my strategy? Thanks in advance, this board is incredible! The posts here have made me feel like I am not alone.