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