Credit Repair: Answers to Questions

Most Recent ‘Credit Repair’ Posts

need some help

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 […]

Applying for Credit

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

credit card

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

SECURE CREDIT CARD

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

Credit Rating Standing

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 proposal? […]

After proposal/credit repair

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

need a credit card when making reservations

To make a reservation or purchase online they require a credit card. Is there any type of card that serves this purpose if one has claimed bankruptcy or a proposal. This seems to be the standard practice Thank-you Posted from: British Columbia Posted from: British Columbia

* year old debt

I had credit cards (zellers, visa, canadian tire) cards 8-10 years ago. I had balances that I could not handle at the time totalling 2000.00 for each card. After it being on my crdiet bureau for 8 years collection agencies are bugging my for their money. My credit report is great right now and was […]

Secured Line of Credit?

Discharged from bankruptcy last year…Have some cash available and would like to get a secure line of credit. I heard that it helps with repairing credit. I already have a secured credit card but the credit limit is low. If I got a secured line of credit, would it help my credit? Will the banks […]

how soon after a proposal can you start rebuilding credit

How soon into your proposal can you start rebuilding your credit? Is there no point in rebuilding until the 7 years are over? 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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