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Hobo

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  1. Hobo

    LoC refused, advice??

    Call came in, I got approved and was even given a higher limit than I asked for (225k). Really satisfied with RBC. Thanks for your suggestions on working with them, my fault for dealing with TD in the first place ha!
  2. Hobo

    LoC refused, advice??

    So far waiting for an answer from my RBC med-dent rep. Meeting a week ago went pretty well and he seemed fairly confident I would get the LoC without co-sign. Even said that in his 7 years of dealing with med-dent students only 2 got refused, who then needed a co-sign to ultimately get it. I opted for 150k simply because I was getting skeptical that it won't change much to aim for 200k+. I'm just worried my first application might affect my credit given that it was a hard credit check.
  3. Hobo

    LoC refused, advice??

    Yep! I scheduled an appointment with a specialist that works mostly with university of montreal students in professional programs. Hopefully it should go well
  4. Hobo

    LoC refused, advice??

    I am a Quebec resident. The rep "tried her best" and after contacting 3 diff't TD reps all gave the same reason. I think because I came right out of CEGEP my credit is still obviously low. I am currently looking around for RBC and hopefully I won't need a 3rd application. I'll let you know about what I get. I did visit a Desjardins and they supposedly don't need cosigners but the rep gave me the impression that it's definitely possible. edit: Also apparently the undersigner for the 30k app. claims that it "makes no sense" to reapply later for a higher amount even though I proposed that I build my credit by then...
  5. I'm freaking out ever since I found out my line of credit application was refused. I don't work and haven't gotten a single credit card until around 2 months ago. TD asked for a cosigner but even then his "income wasn't high enough" for the 200k "limit" (even though I'm pretty sure the actual max is 275k, correct me if I'm wrong). So I tried again but for a much lower 30k and even then it was refused with cosigner (who has a good credit history). I'm really stressed out about this, I know that doing these things leaves a dent on your credit history but what is the wisest thing to do at the moment? I'm opting for provincial aid but that isn't enough to cover material costs (dentistry). I'm meeting an advisor with RBC seeing that they deal regularly with professional students, but even then I fear that both my cosigner's low income and my fairly recent credit history will drive RBC to refuse my application... I'm very unfamiliar with the notion of credit so I'll try my best to understand. Any ideas?? Also, note that I do have a provincial loan+bursary if that matters?
  6. Felicitations! Enfin apres the siecles d'impatience
  7. The same reason why they force u to pay avant le 1er mai for other programs, 15th may avant la reponse med, etc etc. C'est un systeme qui vise a maximiser les profits which is no big surprise...
  8. Keep strong remember y ont dit que sa part jusqu'au 15 mai, theres still 12 whole days so dont give up yet
  9. If anything, my depot was sent around 23, just know that its supposed to be 23 but i got the official letter at 23:40 if that change anything
  10. jusqu'a present, i dont think so
  11. Jusqu'a present 6 de mes amis collegiens n'ont tjr rien eu ni de refus ni d'offre. J'ai recu le depot avant hier vers 23h puis la lettre officielle hier soir a la meme heure. En ce qui concerne CRC, la plupart d'entre eux ont des cotes d'au moins 35.X allant jusqu'au mid-37. J'imagine comment tannant c'est d'attendre mais c'est le final push. Une semaine d'attente supplementaire comparée aux années d'études qu'on a vecu, c'est rien du tout, malgré l'anxieté que ca cree...
  12. Bizarre pourtant je viens d'appeler le registraire puis tt ce qu'ils m'ont dit c'est "qu'il ne faudrait pas encore payer vu que votre dossier est tjr à l'étude" (??). Peut etre juste pour faire attendre les gense cependant elle m'a dit que ca prendra jusque 3 jours afin de recevoir la reponse officielle
  13. En gros, si je comprend bien un dépôt ça ce traduit en admission correct??
  14. Depot DMD Collegien, Cote R 36.7
  15. Okk merci bcp je les contacterais bientot puis jvous en informe.
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