Credit Repair

Hi
Is it possible for me to get a (Free) credit report from the Credit Unions, Equifax and Trans Union as I do not have a Credit Card or a whole lot of money? I have already sent them my discharge Certificate and I would like to know my credit status. `Free`
Thanks for you […]

I am eligable to claim bankruptcy but would prefer not to, I have 2 vehicles that had been repossessed so owe over $20,000 on them, I want to rebuild my credit and was told if I set up a payment plan where I even paid $50 a month my credit score would build so long […]

After having an R7 rating, it will take 3 year to clear from my credit report? How can I rebuilt my credit from an R7 rating? How soon can I apply for credit cards again to rebuilt my credit?
Posted from: Ontario

I found out that my credit score is very bad, but I have no balance on my card now. How do I repair my credit so it won`t hinder any of my application(mortgage). How long does it take before you are back in the good books?
Posted from: Ontario

I received my credit report from Equifax and have an outstanding debt. It has been 2 years so the statute of limitations sets in. My question is. How do I have it removed from my credit report. And what constitutes `acknowledgement of debt` ?
Is there any way to fix this without starting the 2 years […]

When can I apply for a secured credit card if entering a proposal. Is it immediately after I file the proposal or do I have to wait till the proposal is accepted?
Posted from: Ontario

If i have a credit, without a debt, can I keep it after i file for a bankruptcy? Or is all credit cards to be surrendered whether I owe or not? Thank you.
Posted from: Ontario

Can I apply for a secure credit card while in the bankruptcy process or do I have to wait until I am discharged?
Posted from: British Columbia

I am in default of my mortgage. If I file bankruptcy then decide to convert to a proposal will I have all three (foreclosure, bankruptcy and propsoal) dreaded stamps placed on my credit rating? 6 years after discharge to clear from bankruptcy, 7 years to clear for the foreclosure and 3 years for the […]

How long after a consumer proposal is satisfied can creditors make derogatory remarks on my credit report
Posted from: Ontario