Search Results for 'bruised credit'
Repairing Bruised Credit
Less than perfect credit? So you have checked your credit and discovered, to your dismay, that it is not ideal. Perhaps you’ve missed a few payments, had a debt end up with a credit collection agency, or, most seriously, declared bankruptcy or agreed to a consumer proposal. As I’ve explained elsewhere on this site, this is not […]
My #1 financial tip? Give yourself (good) credit!
First: me, blogging about finance? My blogging on this site sometimes feels a bit uncomfortable. I hate that I might sound “preach-y”, or worse, bossy (something I’m kinda sensitive about, being the oldest child of four). And in reflecting on what my # 1 financial tip would be, who do I really think I am, trying to come […]
Bad credit? Mortgage options you should know about
Worried that your bad credit might stop you from getting a mortgage? You’re not alone – many people have credit issues in the past, and it can definitely make it hard to get a mortgage on your terms. That said, it doesn’t mean you won’t get one, nor does it mean that you’re stuck with that […]
Protect your credit! Don’t be seduced into getting that department store card…
Applying for that store card can hurt you This is one of my pet peeves: you walk into a store, go to make your purchase, and when you line up at the cash register, the clerk suggests perkily: “Would you like to apply for our (fill-in-the-blank) Store Card? You can save $X dollars (or X […]
Establishing Credit
Lenders want to see triple A credit Mortgage lenders will definitely check your credit profile. When they do, you want to be sure that everything looks great. Not sure what your credit rating even looks like… or if you even have one? Check out your credit report at Equifax Canada or TransUnion Canada. This should […]
Credit 101
Mortgages and Credit If you are starting to research mortgage financing, chances are you’ve come across the term “credit”. As well, you’ve likely seen the terms “good credit” and “bad credit”. So what’s the connection between mortgages and credit? To understand that, we need to look at credit in more detail. What is credit and […]
Mortgage after bankruptcy – how to get a fair deal
How to get a fair mortgage deal after bankruptcy Buying a home is a significant milestone, and it can feel daunting, especially after going through bankruptcy. However, owning a home after bankruptcy is achievable with careful planning and a proactive approach to securing a mortgage. In Canada, there are specific steps and strategies to help […]
What are B lender mortgage rates?
How much do alternative lenders charge? If you’ve considered a B lender, chances are you’re worried about how much exactly you would need to pay. In my experience, people often get alternative lenders confused with private lenders, which is an entirely different group of mortgage lenders. In fact, B lender mortgage rates are typically much less than people […]
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