If you have delinquent accounts (in arrears, possibly in collections) they are listed on your credit report as R9. R9 is bad, and it will send your credit score down to the ground.…
By Margaret H. Johnson
Last week I tried to talk about the various experts involved in debt collection and credit counselling. You know what? I forgot all about credit reporting agencies, otherwise known as Credit Bureaus.…
Did you know that there are 2 credit bureaus in Canada? That’s right 2!
They are TransUnion Canada and Equifax Canada.…
Always, always, always…. maintain a bank account in a financial institution that you do not owe any money to – A debt-free bank account. That way, if you ever end up experiencing financial difficulty …
Effective since last week, it is now possible to get your credit report online. Equifax Canada has just introduced online access to your credit bureau …
When you apply for credit, the lender must estimate the probability that you will be able to repay the debt as scheduled. What does a lender need to know in order to …
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