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MY CREDIT STINKS NEED HELP PLZ

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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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Hello,

 

I read your threat and it seems like there are few things that I can probably suggest to you in terms of advise.

1 - Being in consumer proposal, the creditors that still appear on your credit report is normal for at least (6 years)

a) You can go ahead and dispute it and mention the fact that is part of a consumer proposal and that the creditor should not show up

B) Wait a month or 2 and if the creditors still appear, re-send a dispute including official documents (photocopied) regarding your consumer proposal to both Equifax & Transunion

 

2 - As for restoring your credit, you will need to start with a few secured cards in the limit of what you can afford. They can be as little as $300. Once you have build sufficient credit on it,

say within 3/4 months, you can request unsecured credit with the same institution. Generally they are able to.

 

3 - Save up anywhere between $500 - $600 and put it in a savings account. Once these accounts post - request to borrow money from the same bank (using your savings as a collateral)

in the term of at least 1 year. Pull out the money and deposit it in a new bank to open a checking account.

 

4 - Once your checking account is set up - start paying off the loan in which you borrowed with a dedicated organized time lapse of 3 months or less.

 

5 - Now your credit score should be slowly crawling up as your active in the accounts mentioned above. Once you've paid off that secured savings loan, ask them for a small LOC (Line of

credit), generally you should be approved for the same amount to double.

 

Additional advise I can give you, is always check your credit rating.

In Canada, there are documents called PPSA (personal property security act) which means you can actually file it with your province. This is when you borrow a small amount from someone and register it on public records. Creditors usually pick that up as they sweep public records every 2/3 days. This should give you additional credit points.


For more information you can always look it up and ask your bank on certain credit tips.


I hope this helps!

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