credit history

First Time Homebuyer Mortgage Checklist
First Time Homebuyer Mortgage Checklist
When you are making plans to buy your first home, it's impossible to know what you don't know. This first ...
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Mortgage Pre-Approval FAQs
Mortgage Pre-Approval FAQs
Mortgage pre-approval is essential to knowing what your affordability range is before you make an offer to purchase a home ...
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How Will Borrowers Be Impacted By CMHC's Tougher Canadian Mortgage Qualification Rules?
How Will Borrowers Be Impacted By CMHC’s Tougher Canadian M...
With a shell-shocked COVID-19 Canadian economy as backdrop, CMHC moved to tighten lending standards for insured mortgages. New rules for ...
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How Long Do You Have to Wait After Completing a Consumer Proposal Before You Can Buy a House Or Condo?
How Long Do You Have to Wait After Completing a Consumer Proposal...
After a consumer proposal has been fully paid, many think about buying a home. If already homeowners, they may be ...
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Why Your Credit History is So Bad After Completing a Consumer Proposal, and What You Can Do About It
Why Your Credit History is So Bad After Completing a Consumer Pro...
A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are ...
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Mortgages 101 -- What You Need to Know Before Applying For a Mortgage
Mortgages 101 — What You Need to Know Before Applying For a...
Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it ...
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COVID-19 Financial Questions and Answers
COVID-19 Financial Questions and Answers
A running thread of reader questions and our answers and research about the impact of COVID-19 on your finances ...
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Good Credit Hygiene Saves Over $100K On Typical Mortgage
Good Credit Hygiene Saves Over $100K On Typical Mortgage
Many services are available to give Canadians free access to their credit scores, but the problem is they all provide ...
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Rebuilding Credit After Consumer Proposal or Bankruptcy
Rebuilding Credit After Consumer Proposal or Bankruptcy
After you file a consumer proposal, expect your score to drop into the low 500’s, maybe even lower than that ...
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What is a Consumer Proposal?
What is a Consumer Proposal?
Consumer proposals are an important part of the Canadian insolvency process, and are the main alternative to filing for bankruptcy ...
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How to Fix or Rebuild Credit Fast in Canada
How to Fix or Rebuild Credit Fast in Canada
Situations often arise where a new mortgage application, or car loan/lease, is impacted by a credit score that's lower than ...
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How to Improve Credit Score in Canada: Tips, Myths & Real Case Studies
How to Improve Credit Score in Canada: Tips, Myths & Real Ca...
Your credit score always matters no matter if you are buying a home, renting an apartment, leasing a car or ...
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Alternative Mortgage Lenders Canada: Bad Credit, Private & Second Mortgages
Alternative Mortgage Lenders Canada: Bad Credit, Private & ...
The media paints alternative lenders as shadowy, less-than-reputable lenders who prey on desperate homebuyers. We look at the important role ...
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Early Payment of Consumer Proposal a Total Game Changer
Early Payment Of Consumer Proposal A Total Game Changer
This couple from BC tracked us down at AskRoss looking for relief from a large private second mortgage and also ...
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Paying Consumer Proposal Early Pays BIG time
Paying Consumer Proposal Early Pays BIG time
Paying off your consumer proposal early pays BIG time! In the past few years, we have helped dozens of homeowners ...
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Reestablish your credit
Reestablish your credit
How do you rebuild your credit? These days you can not avoid the need for a good credit score. Ross ...
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