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How long will I have an R9 rating

How long will an R9 rating remain on my credit rating after a consumer proposal. Will it extend beyond 3 years? I`m 49 years old and $25,000 in credit card and line of credit debts. I`m hoping to buy a house after the 3 years.

Posted from: Ontario

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One Response to “How long will I have an R9 rating”

Barton Goth – Goth & Company Inc. -Trustee in Bankruptcy said...

A consumer proposal results in an R7 that is listed with the credit bureau for 3 years from the date the proposal is finished. So you wouldn’t have a rating as severe as R9 but there is definitely a a negative impact on your credit.