credit history

When you are making plans to buy your first home, it's impossible to know what you don't know. This first ...

Mortgage pre-approval is essential to knowing what your affordability range is before you make an offer to purchase a home ...

With a shell-shocked COVID-19 Canadian economy as backdrop, CMHC moved to tighten lending standards for insured mortgages. New rules for ...

After a consumer proposal has been fully paid, many think about buying a home. If already homeowners, they may be ...

A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are ...

Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it ...

A running thread of reader questions and our answers and research about the impact of COVID-19 on your finances ...

Many services are available to give Canadians free access to their credit scores, but the problem is they all provide ...

After you file a consumer proposal, expect your score to drop into the low 500’s, maybe even lower than that ...

Consumer proposals are an important part of the Canadian insolvency process, and are the main alternative to filing for bankruptcy ...

Situations often arise where a new mortgage application, or car loan/lease, is impacted by a credit score that's lower than ...

Your credit score always matters no matter if you are buying a home, renting an apartment, leasing a car or ...

The media paints alternative lenders as shadowy, less-than-reputable lenders who prey on desperate homebuyers. We look at the important role ...

This couple from BC tracked us down at AskRoss looking for relief from a large private second mortgage and also ...

Paying off your consumer proposal early pays BIG time! In the past few years, we have helped dozens of homeowners ...

How do you rebuild your credit? These days you can not avoid the need for a good credit score. Ross ...