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Posts Tagged bad credit

How to Get Approved for a Loan When You Have Bad Credit

How to Get Approved for a Loan When You Have Bad Credit

If you have bad credit, it can seem nearly impossible to get approved for a loan. But it’s a catch-22 because if you do have bad credit, one of the best ways to repair it is by securing financing and repaying it responsibly. When you’ve bruised your…

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Borrowing Money When You Have Bad Credit

Borrowing Money When You Have Bad Credit

Money makes the world go round. These days, there is much truth in that statement. For those with good credit, when you’re looking to borrow money, it often means simply heading to the bank, filling out a few forms, and waiting on a financial assessment. Not such…

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If I’m Making Minimum Payments on My Credit Cards, I Have Good Credit, Right?

If I’m Making Minimum Payments on My Credit Cards, I Have Good Credit, Right?

There are so many myths and half-truths when it comes to credit reports and credit scores, and minimum payments represent one of the most detrimental. So many people believe that if they’re making minimum payments, on time, each and every month, they should be in great financial…

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Smart Money: Finance Your Car in the Same Place You Buy

Smart Money: Finance Your Car in the Same Place You Buy

Buying a car can be exciting. Such a purchase is often as emotional as it is financial or practical, and the thought of zipping around in a new ride usually brings a smile to your face. That is, if you’re sitting pretty as far as your credit…

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What Exactly is a “Bad Credit Loan” and Why do People Get Them?

What Exactly is a “Bad Credit Loan” and Why do People Get Them?

You may have heard the terms personal loan, line of credit, credit card and are familiar with these credit products, but as of late you may have also heard the term ‘bad credit loan’. What exactly is a bad credit loan and why do people get them?…

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How to get a Home Loan with Bad Credit in Ontario

How to get a Home Loan with Bad Credit in Ontario

Getting a Mortgage in Ontario with Bad Credit If you have bad credit, you might feel like home ownership isn’t possible for you. However, that isn’t necessarily the case. You might find that the options for getting a bad credit mortgage are limited, but this doesn’t mean…

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What Happens when a Cosigner files Bankruptcy ?

What Happens when a Cosigner files Bankruptcy ?

My co-signer has filed for a bankruptcy. How does this affect my credit? What Happens when a Cosigner files Bankruptcy ? For some people, especially those who have bad credit, getting a co-signer on a loan is a great way to borrow money and build credit. Having…

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Taking Cash Advances on Credit Cards are a Bad Idea

Taking Cash Advances on Credit Cards are a Bad Idea

 Why Cash Advances on Credit Cards are a Bad Idea Getting a cash advance on credit can seem like a good way to get cash when you need it. However, this often isn’t the case. In fact, a credit card cash advance can be incredibly costly and…

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Living PayCheque to PayCheque? Say No To Pay Day Loans!

Living PayCheque to PayCheque? Say No To Pay Day Loans!

Living PayCheque to PayCheque? If you’re living pay cheque to pay cheque and worry about running short on money to cover your expenses, a pay day loan can seem tempting. However, it’s important to understand the high interest rates and charges that come with pay day loans.…

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Understanding your credit score – how does it work?

Understanding your credit score is a big step towards improving your credit rating.  Watch this video to get some valuable tips on understanding what determines how your credit score is rated in Ontario. If you have bad credit or no credit, then you need to understand how…

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