Credit Repair Articles - Archive: 2007

I pulled my credit report with both TransUnion and Equifax and I noticed there were several creditors (eg. MBNA, Capital One…), who had entered my credit report to do some enquiry. By doing so, I believe I loose credit score everytime they have enquiry in there. How do I stop them? Please show me. Thank [...]

I got a letter yesterday from a debt collector stating I owe money to a bank in Germany. What can I do as I live in Ontario Canada. Can a bank come after me here in Canada throu a debt collector? How do I know for sure it is my debt? Yes I use to [...]

If I make a proposal to my creditors and it is accepted, and at some point in the near future I need to replace my car (paid for), is it possible to get a lease or loan to buy a new one?

We`ve recently had our bankruptcy discharged and I`m wondering what we should do in the next few years as far as obtaining copies of our credit reports. As a victim of identity theft in the past, I have requested a copy of my credit report from both Equifax and TransUnion every year, to ensure that [...]

My husband and I filed joint bankruptcy last year and have recently been discharged. We want to start rebuilding our credit as soon as possible and have been looking into the secured credit cards. Since we filed joint bankruptcy, we obviously need to rebuild my credit and his – but we cannot afford the fees [...]

Hi, I have been discharged from bankruptcy over two years now. Since then I have been trying to do everything possible to repair my credit, paying all my bills on time and even obtaining a credit card, which I use responsibly. Recently, I received a letter in the mail from a lawyer of one of [...]

Hi, I am currently in bankruptcy. I owed 30,000 on a credit card to a creditor (Scotia Bank). When I applied for this card I alone signed the paperwork but requested a supplementary card for my wife. She has never signed any paperwork nor had she ever activated the card. Scotiabank never came after her [...]

I have recently completed a consumer proposal (8 months ago) and I am in the process of rebuilding my credit. (I currently have a secured credit card) but I would like to purchase a car. Would it be better for me to wait until i have 1 solid year of credit history with my credit [...]

Are you able to provide a link or list of banks that will grant a secured Visa or Mastercard. Also a list of banks who will be helpful after discharge from first time bankruptcy. I want to repair my credit right away. Thank you.

I was discharged last April and I plan to rent an apartment in May 2007. I don\’t want to have a co-signer and I have been taking steps to repair my history: fixed inaccurate credit reports with all three credit bureau\’s, I have an RRSP, and I have two secure credit cards. Are there any [...]