Out of curiosity, I checked my credit rating a while ago, and found out that my credit rating was directly affected by the number of agencies I have signed up to do credit with. This happens even though one signs up but never uses the agency.
For example, I recall signing up for a credit card at the Saddledome to receive a free something-or-other, and athough I never used the card, it still had the affect of lowering my credit rating. I think it takes something like 5 years of non-use before an agency is dropped from your file.
For credit rating purposes, I have found it pays to establish credit with as few places as possible, preferably with only one if you can manage it i.e. a large bank.
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