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_completed consumer proposal 700450X THUMBNAIL (3)
A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are surprised to learn that numerous mistakes on their credit report are doing serious harm to their credit score.
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Save 100k good hygiene
Many services are available to give Canadians free access to their credit scores, but the problem is they all provide different results. No industry standards exist to ensure credit score consistency. The solution is to worry about overall 'credit hygiene' rather than any specific credit score. We provide nine strategies to manage credit hygiene and...
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Rebuilding Credit After a Consumer Proposal or Bankrupcy
Published: • There is no question after you file a consumer proposal or personal bankruptcy, your credit score is going to take a beating. Credit scores range from as low as 300 to 900, with most Canadians in the 600’s and 700’s. After you file a consumer proposal, expect your score to drop into the...
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improve credit in canada fast
Situations often arise where a new mortgage application, or car loan/lease, is impacted by a credit score that's lower than expected. Frequently errors, or reported items negatively affect your score, but these can be quickly fixed. A couple of case studies show how.
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Published: •  Here in Canada, your credit score always matters — even when you are applying for a mortgage with an alternative lender or a private mortgage lender. It’s true they specialize in helping borrowers with damaged credit, but they still want to see signs of rehabilitation and repayment performance in the applicant’s track...
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Two Years To Go From Nothing To Credit Score Good Enough For an ‘A Lender’ Janet bought her first house with me last month, despite having no credit score whatsoever! She has a decent income, but after some bad debts which were racked up by an ex-boyfriend several years ago, she never bothered to rebuild...
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Using Two Credit Cards to Optimize Your Credit History The other day a reader wrote in and asked “is it bad for my credit rating to have an inactive credit card?  I prefer to only use one and use the backup card only if I misplace the one I regularly use”. I replied “Good question....
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High-Quality Credit Score Just As Essential to Renters As Home Buyers If you have rented an apartment in the past, you know that landlords typically ask you about your credit history. Tenants need a good credit history as much as home buyers looking for a mortgage do. In fact, we believe all Canadians should pay attention...
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Presenting Yourself As Most Desirable Renter Is Key To Winning Your Desired Apartment Renting a place to live is not something you can afford to take a casual approach to. As a twenty-something who has been living away from my parents’ home for many years, I’ve come to understand how important it is to be well prepared when...
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