Credit Rating

What is a good credit score?

The world of credit holds many mysteries, and it’s not always easy to know exactly how it works. Yet, having what is commonly referred to as a “good credit...

Should you fear the impact of a proposal or bankruptcy on your credit rating?

Comparisons of the impacts on the credit report between people who opted for a proposal or bankruptcy compared to those who tried to get by on their own.

How to rebuild your credit after a bankruptcy or a consumer proposal?

Discover our tips to rebuilt your credit report after a bankruptcy or a consumer proposal.

True story – A costly error in the credit report

An error in a credit report can cause a lot of inconvenience, including depriving you of a loan that would otherwise have been granted to you. That’s what happened to...

How will my decision affect my credit file?

It’s perfectly valid for you to be concerned about the impact of your decision – whatever it may be – on your credit report, given the influence it has...

Ads promise to help you rebuild your credit file…

There is no miracle recipe for rebuilding a mismanaged credit report. They promise to do it? Quite often, they will offer you a high-interest loan and will tell you...

The Dangers of a Bad Credit File

4 important factors when applying for a loan

You would like to obtain a loan and want to put all the chances on your side? You should be aware of the 4 main factors that a lender...

Unable to honor my payments

Many people would like to simply hand the keys to their house or car back to their secured creditors. But is it possible? Yes, but unfortunately, not without consequences. In...

What is a credit file?

The credit file has two main components: The first, your credit rating (the famous R1 and R2), which measures the time you take to pay each of your debts; and then,...

Credit rating: There is no easy way

Beware of ads promising to re-establish your credit rating and score with a simple loan or in exchange for the payment of fees. Only time, patience and good payment...

5 Tips to Improve Your Credit Report

While there is no fast-track to a good credit file, here are 5 tips to improve its quality: Beware of late payments Keep an eye on the authorized limit Limit the number...