credit score

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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Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand and Costs
Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand ...
Adjusting to a post COVID-19 world, many things will be different, some permanently. We analyze how Canadian housing markets, including ...
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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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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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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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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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The Myths About Co-Signing For a Mortgage
The Myths About Co-Signing For a Mortgage
What makes a strong mortgage co-signer? Not a great job, nor huge equity with tiny mortgage, nor a fantastic credit ...
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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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When You Co-sign, The Borrower Now Controls Your Credit History
When You Co-sign, The Borrower Now Controls Your Credit History
Most people do not understand that when you co-sign a loan product you are effectively handing over your credit history ...
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Rebuilding Credit Wants to Buy Home 700x450X THUMBNAIL
Rebuilding Credit Wants To Buy Home
From the AskRoss mailbag, this reader wonders whether or not all his efforts to rebuild his credit history will be ...
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Consumers Spend Too Much On Housing
Consumers Spend Too Much On Housing
Buying As Much House As You Can Afford, and Not Working to a Budget Can Set You Up for Failure ...
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7 Secrets About Credit 700x450X THUMBNAIL
7 Secrets About Credit
People are far more aware of the importance of their personal credit history than they ever used to be. And ...
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