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my.credit.stinks

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  1. Hi everyone I have been reading the post's and I'm completely Impressed with the amount of information and support everyone gives each other, Its such a relief to see people sharing the details of the ups and more so downs. I'm finding myself in a bit of a jam and am seeking for advise on how to tackle my situation with my credit profile. I was married but now separated,only to find that she neglected the bills and kept it from me as I was the only one working, also what is unfortunate was that the majority of the delinquent bills were all in my name. Which forced me to file a consumer proposal in 2009.. after filing i began to notice some things that i didn't file in the proposal were showing up on my credit report. with this and the separation and filing for CP not to mention being laid off from my employment and also getting into a car accident and my car being written off and (the check i received didn't even cover the remaining loan amount).. I started sinking into depression which took my mind from sorting out my credit back then.. But after being out of work for 6 months, I was recalled back to work and started to plug away working hard. I eventually met my current partner,and now we are saving to buy our first home and she knows I have bad credit , But I'm so embarrassed to tell her how really bad it is .... So I'm going to copy and past both credit reports on this thread and will leave brief status or questions besides the creditor highlighted in red, I would appreciate any help and advice on how to tackle my terrible credit reports First up Trans Union Canada Credit Score 482 *******ADDED IN WITH CONSUMER PROPOSAL***** TD FINANCING SERVICES Account #: *************** Condition: [Derogatory] Balance: $4076 Type: Revolving account Pay status: Bad debt/collection/skip Payment: $164 monthly (due every month) Opened: 06/04/2007 Reported: 10/08/2009 Responsibility: Individual account *******ADDED IN WITH CONSUMER PROPOSAL***** CAPITAL ONE BANK Account #: ************** Condition: [Closed] Balance: $673 Type: Revolving account Pay status: Over 120 Days Late Payment: $20 Monthly (due every month) Opened: 02/23/2006 Reported: 06/10/2009 Responsibility: Individual account ***father was joint on this one and got a loan and I payed it off****8 PC FINANCIAL - CIBC Account #: ************** Condition: [Derogatory] Balance: Type: Revolving account Pay status: Paid as Agreed Payment: $0 Monthly (due every month) Opened: 02/10/2003 Reported: 02/06/2010 Responsibility: Joint account Installment Accounts: Accounts comprised of fixed terms with regular payments *******ADDED IN WITH CONSUMER PROPOSAL**** BUT THEY STILL REPORT- WHEN WOULD THIS FALL OFF? WFF CORP CANADA Account #: *************** Condition: [Derogatory] Balance: Type: Installment account Pay status: Bad debt/collection/skip Payment: $0 Monthly (due every month) Opened: 08/21/2008 Reported: 02/04/2013 Responsibility: Individual account *******PAID AS AGREED***** WFF CORP CANADA Account #: **************** Condition: [Closed account] ([Paid]) Balance: Type: Installment account Pay status: Paid as Agreed Payment: $0 Monthly (due every month) Opened: 03/01/2008 Reported: 08/31/2008 Responsibility: Individual account **************PAID THE BANK BEFORE RECEIVING COLLECTION NOTICE***** CDN IMPERIAL BK OF COMME Account #: ****** Condition: [Closed account] ([Paid]) Balance: Type: Installment account Pay status: Bad debt/collection/skip Payment: $0 Monthly (due every month) Opened: 02/01/2007 Reported: 08/01/2007 Responsibility: Individual account **************PAID OFF************** TD FINANCING SERVICES Account #: *************** Condition: [Closed account] ([Paid]) Balance: Type: Installment account Pay status: 90-119 Days Late Payment: $0 Monthly (due every month) Opened: 05/04/2006 Reported: 12/19/2010 Responsibility: Individual account *******ADDED IN WITH CONSUMER PROPOSAL****BUT THEY STILL REPORT- WHEN WOULD THIS FALL OFF? WFFCC Account #: *************** Condition: [Derogatory] Balance: type: Installment account Pay status: Bad debt/collection/skip Payment: $0 Monthly (due every month) Opened: 07/09/2005 Reported: 02/04/2013 Responsibility: Individual account OTHER:Accounts in which the exact category is **** WHAT DO I DO ABOUT THIS ACCOUNT*** ROGERS COMMUNICATIONS Account#: Condition: [Derogatory] Balance: $2261 Type: Open account Pay status: Bad debt/collection/skip Payment: $0 Monthly (due every month) Opened: 08/06/2005 Reported: 05/07/2013 Responsibility: Individual account COLLECTION ACCOUNTS:Delinquent accounts sent for recovery *******THIS IS BECAUSE OF ABOVE***** ACC.RECVY. CORP Original Creditor: ROGERS COMMUNICATIONS Opened: 04/02/2013 Condition: Account #: *********** Balance: 05/23/2013 Responsibility: Individual account High Balance: $2261 Balance: $2261 Remarks: *******JUST NEGOTIATED WITH COLLECTIONS TO REMOVE AS I MADE AN OFFER OF 50% TO REMOVE***** PROFCOLL SERVS Original Creditor: DR AL W GUSENBAUER Opened: 07/19/2012 Condition: Account #: *********** Balance:07/21/2012 Responsibility: Individual account High Balance: $579 Balance: $579 Remarks: *******SORTED THIS ONE IT'S AN ERROR SHOULD CLEAR IN 30 DAYS **** GB COLL AGENCY Original Creditor : THE EFFORT TRUST COMPANY Opened: 06/26/2012 Condition: Account #: *********** Balance: 06/05/2013 Responsibility: Individual account High Balance: $349 Balance: $349 Remarks: ***SENT OF A PAY FOR DELETE AWAITING REPLY***** ARO COLLECTIONS Original Creditor: CASH CONVERTERS LOANS - 877-78 Opened: 05/23/2012 Condition: Account #:********* Balance: 06/07/2013 Responsibility: Individual account High Balance: $382 Balance: $382 Remarks: **PAID BUT THEY STILL REPORT A BALANCE OF $0 WHY? RENAISSANCE COLL Original Creditor: SHOPPERS DRUG MART 1052 Opened: 01/19/2012 Condition:[Paid] Account #: ******** Balance: 06/06/2013 Responsibility: Individual account High Balance: $340 Balance: $0 Remarks: Paid *******ADDED IN WITH CONSUMER PROPOSAL BUTT THEY DECLINED TO BE ADDED TO IT SO WHAT HAPPENS TO THIS ????? STCATH CRDT CORP Original Creditor: CASH DEPOT Opened: 04/26/2010 Condition: Account #: ******** Balance: 05/27/2013 Responsibility: Individual account High Balance:$1016 Balance: $1800 Remarks: ******PAID BUT THEY STILL REPORT A BALANCE OF ZERO EVERY MONTH WHAT CAN I DO WITH THIS ???? RENAISSANCE COLL Original Creditor: FENNELL GAGE DENTAL CENTRE Opened: 02/27/2009 Condition:[Paid] Account #:**** Balance: 06/06/2013 Responsibility: Individual account High Balance: $196 Balance: $0 Remarks: PUBLIC INFORMATION Registered Item # *** I ASSUME THIS IS A LIEN FROM A CAR LOAN- CAR I BOUGHT FROM DEALER WHO OFFERED ME IN-HOUSE FINANCING ***** Filed: 12/17/2010 Original: $7389 Security: Inventory Revised: 01/09/2011 Type: Class: Non-derogatory Matures:08/15/2012 Lender: ACEN MOTORS INC. Remarks: Balance not Available From Credit Grantor *******PAID OFF 1 YEAR EARLY SHOULD UPDATE WITHIN 21 DAYS ********** Bankruptcy # ********* Reported: 05/04/2009 Division: Discharged: Company: MNP LTD / MNP LTEE Revised: 09/19/2011 Assets:$7900 Type: Class:Derogatory Court #: ********* Liabilities: $40198 Trustee: GOWLING, DAVID DELMER Bankruptcy Status: Remarks: Proposal EQUIFAX CANADA CREDIT SCORE 500 ****WHAT DO I DO ABOUT THIS ACCOUNT*** ROGERS COMMUNICATION Phone Number:(877)764-3772 High Credit/CreditLimit: Account Number: XXX...XXXX Payment Amount: Not Available Association to Account: Individual Balance: $2,261.00 Type of Account: Open Past Due: NotAvailable Date Opened: 2005-08 Date of Last Activity: 2010-12 Status: Bad debt, collection account or unable to locate Date Reported: 2013-05 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Three or more payments past due ( 2011-09 ) Two payments past due ( 2011-08 ) One payment past due ( 2011-07 ) Comments: Closed by credit grantor Acct assigned to third party for collection * This item is not displayed to all credit grantors and will not impact your credit score. CURRENT CELL PHONE BILL 1 LATE BELL MOBILITY Phone Number:(800)361-2613 High Credit/Credit Limit:$674.00 Account Number: XXXXXXXX Payment Amount: Not Available Association to Account: Individual Balance: $294.00 Type of Account: Open Past Due: Not Available Date Opened: 2010-01 Date of Last Activity: 2013-04 Status: Paid as agreed and up to date Date Reported: 2013-04 Months Reviewed: 38 Payment History: 01 payments30 days late No payment 60 days late No payment 90 days late Prior Paying History: One payment past due ( 2011-09 ) Comments: Monthly payments * This item is not displayed to all credit grantors and will not impact your credit score. **** INCLUDED IN PROPOSAL*** WFFCC Phone Number: (800)461-8794 High Credit/Credit Limit: $5,239.00 Account Number: XXXXXXXX Payment Amount: $201.00 Association to Account: Individual Balance: $0.00 Type of Account: Installment Past Due: $0.00 Date Opened: 2008-08 Date of Last Activity: 2009-02 Status: Bad debt, collection account or unable to locate Date Reported: 2013-01 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Comments: Transferred or sold Note loan **** INCLUDED IN PROPOSAL*** WELLS FARGO AUTO FIN Phone Number: (866)632-1215 High Credit/Credit Limit: $13,779.00 Account Number: XXXXXXXX Payment Amount: $339.00 Association to Account: Individual Balance: $0.00 Type of Account: Installment Past Due: $0.00 Date Opened: 2005-07 Date of Last Activity: 2009-03 Status: Bad debt, collection account or unable to locate Date Reported: 2013-01 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: At least 120 days past due ( 2009-09 ) At least 120 days past due ( 2009-08 ) At least 120 days past due ( 2009-07 ) Comments: Transferred or sold father was joint on this one and got a loan and I payed it off Monthly payments PC FINANCIAL CIBC Phone Number: (888)872-4724 High Credit/Credit Limit: $5,000.00 Account Number: XXXXXXXXX Payment Amount:$200.00 Association to Account: Joint Balance: $0.00 Type of Account:Revolving Past Due: Not Available Date Opened: 2003-02 Date of Last Activity: 2009-09 Status: Bad debt, collection account or unable to locate Date Reported: 2012-09 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Three or more payments past due ( 2009-12 ) Three or more payments past due ( 2009-11 ) Three or more payments past due ( 2009-10 ) Comments: Settlement madePersonal loan I PAYED THIS OFF WHEN CAR WAS WRITTEN OFF TD AUTO FINANCE CAN Phone Number: (800)832-3321 High Credit/Credit Limit: $17,139.00 Account Number: XXX..XXXX Payment Amount: $482.00 Association to Account: Individual Balance: $0.00 Type of Account: Installment Past Due: $0.00 Date Opened: 2006-05 Date of Last Activity: 2010-11 Status: Paid as agreed and up to date Date Reported: 2010-11 Months Reviewed: 10 Payment History: 01 payments 30 days late 01 payments 60 days late 01 payments 90 days late Prior Paying History: Three or more payments past due ( 2010-10 ) Two payments past due ( 2010-09 ) One payment past due ( 2010-08 ) Comments: Account paid *******ADDED TO CONSUMER PROPOSAL***** WFF CORP CANADA Phone Number: Not Available High Credit/Credit Limit: $5,239.00 Account Number: XXX.XXXXX Payment Amount:$201.00 Association to Account: Individual Balance: $0.00 Type of Account: Installment Past Due: $0.00 Date Opened: 2008-08 Date of Last Activity: 2009-02 Status: Bad debt, collection account or unable to locate Date Reported: 2010-06 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: One payment past due ( 2009-04 ) Two payments past due ( 2009-03 ) One payment past due ( 2009-02 ) Comments: Included in bankruptcy Transferred or sold *******ADDED TO CONSUMER PROPOSAL***** TD FINANCE CAN Phone Number: (800)832-3321 High Credit/Credit Limit: $4,523.00 Account Number: XXX.XXXXX Payment Amount:$164.00 Association to Account: Individual Balance: $4,076.00 Type of Account: Revolving Past Due: $0.00 Date Opened: 2007-06 Date of Last Activity: 2009-04 Status: Bad debt, collection account or unable to locate Date Reported: 2009-09 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Three or more payments past due ( 2009-08 ) Two payments past due ( 2009-07 ) One payment past due ( 2009-06 ) Comments: Written-off Personal loan *************** PAID AS AGREED*************** WFF CORP CANADA Phone Number: (905)318-7238 High Credit/Credit Limit:$2,955.00 Account Number: XXXXXXXXXX Payment Amount: $113.00 Association to Account: Individual Balance: $0.00 Type of Account: Installment Past Due: $0.00 Date Opened: 2008-03 Date of Last Activity:2008-08 Status: Paid as agreed and up to date Date Reported: 2008-09 Months Reviewed: 01 Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Comments: Account paid Note loan Collection Accounts MAILED LETTER TO NEGOTIATE PAY FOR DELETE***** CASH CONVERTERS LOANS 877 78 Date Assigned: 2012-05 Account Number: XXXXXXXX Collection Agency:AGE RECOU OGILVIE Reason: Amount:$382.00 Balance Amount: $382.00 Date of Last Payment: 2011-04 Date Paid: Date Verified: Comments: *******ADDED TO CONSUMER PROPOSAL BUT THEY DECLINED WHAT HAPPENS NOW ?????***** CASH DEPOT Date Assigned:2010-04 Account Number: XXXXXXX Collection Agency: CBS CANADA Reason: Amount: $1,016.00 Balance Amount: $1,800.00 Date of Last Payment: 2010-02 Date Paid: Date Verified: Comments: I think i covered everything, Sorry for the really long thread... D

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