If you know that your credit is damaged, you may be looking for a credit repair solution. Unfortunately, most credit issues cannot be immediately solved. It takes time and effort to significantly improve your credit standing.
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Canadians should be aware of credit reports, credit ratings and credit scores. Although they are similar, each is a separate and individual thing. It’s important to be in the know because these things can play a large role in your financial life.
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If you have been dealing with damaged credit, getting back on track can seem difficult. But there is a way out, and once you get there, follow these 6 credit rules that will help you avoid being stuck in that situation again.
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According to the most recent quarterly report from Industry Insights, there were approximately 800,000 fewer credit cards in use in 2016. However, the total credit-related debt balance for the country rose by 3.3 per cent.
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If you're a newcomer to Canada, you may be excited about starting a new life in a new country. And, if you're like a lot of immigrants, you'll be faced with having to build your credit from virtually nothing.
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Negative items will eventually fall off your credit reports. It may take several years for them to disappear, but they won’t be there forever.
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Secured credit cards offer a safe way to either start using credit or to get back into credit card use after experiencing a misstep. You can be approved for a secured credit card even if you have no credit or less than perfect credit.
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Your credit score is a number that represents your creditworthiness at a moment in time. If you are trying to improve your credit rating, there’s only one way this can be accomplished.
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You may understand that you have a credit score, but do you know why your rating is what it is? Also, why is it so important to earn and maintain a higher credit score?
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In a recent TransUnion study it was revealed that 43% of Millennials are dealing with a subprime credit score. Why is this?
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