A column by Margaret H. Johnson ACE, RQIC, a thought leader in the field of credit education and money management.
Credit Information
Vehicle Leasing vs. Loaning
Vehicle Leasing vs. Loaning
Why Lease a Vehicle?
Vehicle leases have become very popular over the last 10 years due to the increased cost of vehicles and the fact that more and more consumers are self-employed - even used cars are being leased.
The Dentist!!
Applying for a LoanWhen you decide to apply for a loan - make an appointment at your branch - or these days you can apply on line. However, if you are new to the world of credit - I recommend that you go to your branch - then you can ask questions and have them answered to your full satisfaction before signing on the dotted line. The loans officer or your financial services representative (FSR) will complete a loan application form, based on the information you supply and after they have done a credit check your application will be approved or declined.
The Debt and Credit Management Industry
The Debt and Credit Management Industry
Who are the “good guys”?
Why, when good responsible people are so desperate to repay their debts would someone want to lead them down the wrong path?
Money, that is why.
Student Loans
Student Loans
How to invest in yourself
Post secondary education is considered an investment in your future, statistics show that those who do attend and graduate from post secondary studies have a definite advantage in the work place. However, not all students have the financial ability to attend post secondary school without financial assistance.
Oh No! What have I done?
Oh No! What have I done?
Co-signing a LoanOver the years I have met many people who have co-signed loans, or signed as a guarantor for someone only to regret it later.
Many of these people have told me they would never have done it if they had really known what they were getting into.
Granting credit
Granting credit
Applicants are judged on how they handle credit Whenever you apply for a loan, a credit card, to open a charge account or to purchase an item on credit, you will be asked to complete an application form and then wait for the credit grantor’s decision. The credit clerk at the bank, trust company, or store will submit a request to the credit bureau for credit information about you.
Remember, if you are experiencing financial difficulties do not wait. Speak to a professional today!
Margaret H. Johnson ACE. RQIC is president of Solutions Credit Counselling Service Inc. offering 100% confidential and unbiased credit counseling, debt consolidation and credit education services. She can be reached by e-mail at This email address is being protected from spambots. You need JavaScript enabled to view it. or call toll-free in Canada - 1.877.588.9491.
If you are a woman in debt, speak with Women and Money first. We specialize in helping women with their personal and business finance. Money management advice you can count on!
