Tag

credit history
Managing first credit card Shannon wrote yesterday: “Dear Ross: As a parent of an otherwise wonderful and responsible 18 year old daughter, I am struggling how best to deal with the fact that she has already run up a $750 balance on her first credit card, and she has only had it six months. The interest rate...
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Published:   •  Important tips about your personal credit history 1) Your credit score changes all the time You can check your own credit score at either Equifax or Trans Union’s website. The report will remain available to you online for a month – but remember, it is changing all the time, as new information is...
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Build and maintain an amazing credit history When the time comes to borrow money (buy a car, buy your first home, sign a rental agreement, etc.) you will be offered the best terms and lowest interest rates if your credit score sings like an angel. And if you ever find yourself in financial stress or...
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Published:   •  You should rebuild your credit score asap when in a proposal This is another question in the Ask Ross series where you can ask me anything about personal finances. If you have a question for me ask here. This question comes from William who is paying down his consumer proposal and trying...
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Credit score needs a quick increase Hi Ross, I have a client who wants to close a couple of NEW credit card accounts for the purpose of adjusting their overall credit balance to credit limit ratio. Is that a good idea? Don’t close the cards unless a lender insists. The quickest fix bar none is...
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So many times when I meet homeowners in debt stress, the first thing they say is they intend to keep their house – come hell or high water. “Find us a solution Ross, but we insist on tying your hands behind your back in the process.” In some cases, it’s actually quite doable. If, after...
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Keeping Credit Cards With a Consumer Proposal? Hi Ross, I have gotten myself into a pickle. I owe $60,000 on my personal line of credit and two credit cards. I cannot repay this in my lifetime or the next. But I still have two more credit cards with available credit of $40,000. Someone told me...
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Can He Remove a Derogatory Item From His Credit Report? A week or so ago, Ellen Roseman, wrote a column in the Toronto Star about cleaning up errors in your credit report. This resulted in a small deluge of emails from readers with their own personal tales of woe. Ellen asked me to help respond...
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Homeowners Eliminate Debts Without Declaring Bankruptcy Our consumerist society often gulls people into spending beyond their means. In my business, I meet these folks every day. As recently as a few years ago, many would simply refinance their homes; pay off their credit card debt, and begin the vicious cycle all over again. But that...
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