Articles About Credit Repair

Common Credit Card Questions & Answers

Answers to the Top 10 Credit Card Questions

A credit card is a financial tool that can benefit the user’s financial profile if used properly. The decision to use credit cards or not is based upon a multitude of factors that are unique to the individual. But many people have unanswered questions that prevent them from applying for a credit card.

What is a Good Credit Score in Canada for a Mortgage?

If you are in the market for a property, one of the determining factors to get approved for a mortgage is a credit score. Sure, you need a down payment, and income but a credit score shows lenders how you manage credit. Without an acceptable credit score, getting a mortgage will prove to be a challenge. Here’s what you need to know about your credit score in order to get approved for a mortgage in Canada.

Buying a Home With Bad Credit: Tales of Success

If a home loan is not approved on the first try, it pays to apply with another creditor that will be open to saying yes. There are countless lenders that offer mortgages specifically for buyers with bruised credit or other financial situations. All borrowers should know their credit score in advance so they have an idea of their chances for approval.

Steps to Get a Personal Loan in Canada

How to Get a Personal Loan

We’ve prepared this guide to answer the most common questions we hear about personal loans. Alongside our lender comparison charts, after reading this you should have all you need to get started with your application!

Ways to Get Out of Debt Faster

How to Get Out of Debt in 7 Steps

Debt can be crippling. Perhaps you are sick of being burdened by credit card balances. Maybe everyday expenses have become overwhelming. Whatever your reason, debt repayment is possible even if challenging. It also is quite rewarding. With debts increasing every day and Canadians everywhere facing this problem, we’re here to provide some insightful information for getting out of debt smoothly, swiftly and safely.

How to Set Good Financial Goals

How to Set Your Financial Goals for 2020

The end of the year is a great time to do some reflection and clean up your finances to prepare for the new year. We’re wrapping up a decade, and the future is bright. You’re wiser, smarter, and older. 2020 can be full of possibilities if you plan for them! Here are a few ways to get clear on your goals and set up your finances for the new year.

Negotiating Credit Card Terms

Negotiating Better Credit Card Terms

Stiff competition among lenders has made negotiating better credit card terms much easier. Many cardholders do not approach their issuer to ask for a credit limit increase, fee waiver, or lower interest because they assume the terms they agreed to can never be changed. However, there is room for renegotiation. Most banks are willing to change credit card terms, but the only way to know for sure is to ask.

Differences Between Personal and Business Credit Scores

Anatomy of a Credit Score

Why is pulling a credit report the first thing lenders do when an application is filed? The credit score is one method used to measure a consumer’s creditworthiness. Credit scores range from 300 to 850. Credit reporting agencies don’t pull these numbers out of thin air. There are several financial factors that, once analyzed, are...
Spending Habits

How to Break Four of the Nastiest Spending Habits

Sacrifice and discipline are the main elements needed to break any nasty habit. When it comes to finances, it is also helpful to focus on the future consequences while working on developing healthy habits. Creating and setting good practices in place of the bad ones can be a challenging but proactive way to turn things around.

How to get a business credit card?

How to Get a Business Credit Card

Small business owners just starting out may think a company credit card is unnecessary. But even new companies can receive benefits and perks, along with expense management, to help the business to grow. Over time, building good business credit becomes a calling card to opportunities that produce the leverage needed to advance a small business into a thriving empire.

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