Credit Repair: Answers to Questions

Most Recent ‘Credit Repair’ Posts

bankruptcy

can i still build my credit up after discharge during the seven year wait ? Posted from: Ontario

I declared bankruptcy in april 2007. Its been 4 years since. i was discharge after 2 years. I want to try and restart my credit again. if I get a secured deposit credit card, will it help me at the credit bureau, or does it not make a difference for 7 years anyway? Also, would […]

Closing CC Accoung

I am separated from spouses; however we have high debt on credit card. If I close account, will this stop interest from compounding. We will try and make minimal payments to debt but the interest is too much. Posted from: British Columbia

Secured Credit Cards

During the time of bankruptcy, is a person allowed to have a secured credit card? Not prepaid, but secured. Posted from: Ontario

reporting to credit agencies?

I had 3 creditors included in my bankruptcy. My bankruptcy has been cleared from my credit report (more than 6 years since discharge). I just got a copy of my credit report and one of my creditors is still reporting every month – it does have a note “included in bankruptcy”. Should this not have […]

Humble

My proposal was accepted Dec 2009. I am repaying $500/ month for about the next 6 years. recently in the bank i was told that my financing and mortgaging options were limited since “you filed bankruptcy for over $300,000”. How do i go about setting the record straight with the Bureau, and open more financial […]

Credit Unions

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 […]

rebuilding credit with nominal payment

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 […]

R7 Rating and how to repair credit

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

very bad credit

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

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If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Super Intendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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