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I have been discharged 5 years but still have poor credit score….I have a credit card , mortgage, with no late payments, both of which I recieved after discharge. How much should I expect my credit score to go up once the backruptcy is off my profile.
I have previously declared bankrupsy over 7 years ago and have been discharged. I am considering bankrupsy again due to medical expenses. How long wikk this stay on my credit
Once I have been discharged from bankruptcy, I would like to rebuild my credit. I heard that there is such a thing as a secured credit card (Capital One) has something like that. My problem is that I had a Capital One credit card before I filed for bankruptcy and the balance was written off […]
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 […]
