Recently, I have had conversations with a few friends of mine where they revealed to me that they don’t necessarily pay certain bills on time. Don’t worry; you will remain nameless but please, tell me what your logic is? The way they were talking, it was as though it was almost like second nature for [...]
Have you messed up your credit and you are looking for a way out of the credit trap so that you can restore your credit score over time? Are you wondering where to start when you mess up with your credit so that you can get back on track financially once more? The first key [...]
Credit scores are the numerical means that a credit-reporting agency uses to determine the credit worthiness of a particular person. There are various terms used to refer to a credit score, including a Beacon score. Many people don’t ever know their score until they apply for credit, and even then, they don’t know what it [...]
There are two types of inquiries that a bank, credit card company, or other potential loan originator can make on your credit score.
These are called either a “soft hit” (“soft inquiry,” “soft pull” or “soft credit check” are synonymous terms) or a “hard hit.” (again, “hard inquiry,” “hard pull,” and “hard credit check” mean [...]
The Canadian government provides an official, legal arrangement for people in debt difficulty to negotiate with their creditors to repay debt on different terms that those they originally entered into.
This device, called a Consumer Proposal, is different from bankruptcy, and gives the debtor some significant advantages over bankruptcy or paying the debt [...]
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