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ABCs of Credit – Do You Actually Have Good Credit?

ABCs of Credit – Do You Actually Have Good Credit?

Do you have good credit? The answer may not be as simple as you think. Good credit is not: Tons of debt.Credit cards close to, at, or over the limit. Late payments can last for six years on your credit report. So do collection items, even if you pay them off. Good...
Partway Through a Consumer Proposal? You Can Start Rebuilding Credit

Partway Through a Consumer Proposal? You Can Start Rebuilding Credit

There are many misconceptions out there about consumer proposal credit. One we hear often is that if you’ve filed for, or are in, a consumer proposal, you have to wait until you’re discharged to start rebuilding credit. To put it simply – this isn’t true! A personal...
You Can Start Rebuilding Credit the Day After Filing for Bankruptcy – Here’s How!

You Can Start Rebuilding Credit the Day After Filing for Bankruptcy – Here’s How!

Filing for bankruptcy can give you a clean financial slate by erasing debt, but it also leaves you with the worry of never having decent credit again. Fortunately, this doesn’t have to be the case. While an R9 score remains on your credit report for seven years after...