Tag

credit history
Build and maintain an awesome credit history 700x450X THUMBNAIL
Why is it important to 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...
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Rebuild Credit Score 700x450X THUMBNAIL
Published:   •  William Asks: I’m Paying Off a Consumer Proposal. Was It a Mistake To Stop Using My Secured Credit Card? I am currently paying off a consumer proposal. My situation is, after filing for a proposal I got a secured BMO MasterCard. I used that card for about one year into the CP....
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The fastest way to see a boost in your credit score 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...
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When you’re in debt keeping the house is not always possible – but it often is! 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...
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Refinancing your home may not cut it anymore 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....
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Beware of being scammed by someone you trust Dear Ross, I have worked in a busy gentleman’s club for three years as a bartender. Last year I began dating Sam the owner, and he suggested I put together the money to buy the club, as it was ‘printing money’. I was very intrigued. He also...
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Ellen Roseman’s Fight Back – All about everyday ways that life will cost you and what you can do about it Just released last month, Ellen’s new book Fight Back – 81 ways to help you save money is flying off bookstore shelves. Lots of practical advice to save money and win those battles we...
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If I ask for a pre-approval, will it reduce my credit score? Dear Ross, we are looking around for our first home, and we want to know how much mortgage we will qualify for. If we ask for a pre-approval, will you have to check our credit history? Is that a ‘hard inquiry’, and will...
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