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Credit Basics 101 – Equifax and TransUnion

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10 August 2022

EquifaxEquifax is the dominant reporting agency in the western region of Canada and most banks rely on Equifax in making their credit decision. Equifax reports all the credit that you have and how it is paid...

Credit Basics 101 – In-House Financing

admin

28 June 2022

In-house financing refers to when you purchase a vehicle and the dealer lends you the money for it. Essentially, the dealer becomes the lender. Although this may be handy in some instances as the dealer will...

Credit Basics 101 – Bankruptcy and Consumer Proposal

admin

15 March 2022

There are many misconceptions about bankruptcy and consumer proposal. Many people believe that one form of this insolvency will impact their credit less severly than the other. Part of the reason is due to the fact...

Credit Basics 101 – Rebuilding Credit

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11 February 2022

When lenders adjudicate credit, they are looking to answer the question of if they will be repaid on the funds advanced. When they see that someone is struggling with their current obligations it causes concern. The...