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Archive for the Rebuilding Credit Category

How to Get Bad Credit Loans Without Getting Scammed

How to Get Bad Credit Loans Without Getting Scammed

Unfortunately, the old saying can be true — it’s a dog eat dog world out there. And that can be made even more apparent if you’re seeking bad credit loans. When you have bad credit, you are more vulnerable. Less people want to loan to you, so…

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So, You Filed for Personal Bankruptcy in Canada – Now What?

So, You Filed for Personal Bankruptcy in Canada – Now What?

If you’ve filed for personal bankruptcy in Canada, you’re not alone. Thousands of Canadians have done the same. In 2016, 66,256 personal bankruptcies were declared in Canada. Of those, about 25,000 were filed in Quebec and roughly 17,500 in Ontario. In addition, 63,471 consumer proposals were received…

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So, You’ve Filed for Bankruptcy… Now What?

So, You’ve Filed for Bankruptcy… Now What?

So, you bit the bullet. You realized you were in too deep with your debt and decided to file for bankruptcy to get a fresh start. That’s great, but maybe now you’re thinking what’s next? What steps can you take going forward to mitigate the impacts of…

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Rebuilding Credit Tips: How Long Does Past Bad Credit Stay on Your Credit Report?

Rebuilding Credit Tips: How Long Does Past Bad Credit Stay on Your Credit Report?

When you’ve struggled to make ends meet, made less than the minimum payments (or no payments at all) on your bills, or had to choose which bills to cover and which to leave for the next month, your credit report is probably feeling the impacts right now.…

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Rebuilding Good Credit: Dos and Don’ts

Rebuilding Good Credit: Dos and Don’ts

Once you’ve travelled down the path of credit concern – are missing payments, are at or over your limits, are getting collections calls, or have filed a consumer proposal or bankruptcy, you may be thinking that there really is no way to get back. That isn’t the…

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Rebuilding Credit to Buy a House After Bankruptcy

Rebuilding Credit to Buy a House After Bankruptcy

When you claim bankruptcy, your credit takes a nosedive. This is just a simple, albeit very hard, truth. Since your credit represents your level of risk to lenders, an R9 rating on your credit report (the rating given if bankruptcy is filed) signals to lenders that you…

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Rebuilding Credit: Which Loans Actually Help You Rebuild?

Rebuilding Credit: Which Loans Actually Help You Rebuild?

In today’s society, so much rests on your credit. The ability to purchase a home (using mortgage financing), a car, rent an apartment – even some jobs will require a credit report. Having bruised credit can make life difficult, especially if you are an undischarged bankrupt or…

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Personal Loans in the GTA – How to Choose the Right One

Personal Loans in the GTA – How to Choose the Right One

The holidays are fast approaching, and for many of us that means weeks of increased spending. The gifts, the parties, the food – these things all add up and if you’re strapped for cash, you may just be cringing at the thought. Perhaps a personal loan is…

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In The News: Bankruptcy in Canada on the Rise

In The News: Bankruptcy in Canada on the Rise

Back in April, the Huffington Post reported on bankruptcy in Canada and noted that, according to the Office of the Superintendent of Bankruptcy (OSB), the number of consumer insolvencies (bankruptcies and consumer proposals) in Canada jumped by almost 10% over the past year. Have things changed since…

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How to Re-Establish Your Credit After Bankruptcy

How to Re-Establish Your Credit After Bankruptcy

Most of us have been there at one point in our lives or another; dealing with money woes that can seem insurmountable. Some of us are able to find solutions to this issue that are less impactful on our overall financial health, while others turn to bankruptcy…

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