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Apr 17, 2014 It's all about Canadian Personal Finance!

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Government Debt And Deficit 10...

Nov 18, 2013

Government Debt and Deficit 101 What is the difference between debt and deficit? Many people confuse the two terms and think they mean the same. They are not. It is easiest to look at the difference by lo. . . .

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Pierre Paradis Summers Luckies...

Oct 28, 2013

Pierre Paradis: Summer’s Luckiest Man “I’ll be making the most of my summer riding on my new Harley-Davidson® motorcycle, next to my spouse” Pierre Paradis. . . .

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Buying Money At A Discount Ano...

Oct 24, 2013

Buying Money at a Discount: Another Look at Life Insurance If I were to “sell” to you $1,000,000 and my “price” is $200,000, would you take my offer? You’d probably think I’m some kind of scam or I am selli. . . .

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Crfa To Work With Competition ...

Oct 22, 2013

CRFA to Work with Competition Bureau to Check Skyrocketing Credit Card Fees Good news to Canadian consumers, Canadian Restaurant and Foodservices Association (CRFA) said it would work closely with the Compet. . . .

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Canadians Debt Burden Rises Bu...

Oct 22, 2013

Canadians Debt Burden Rises But Delinquency Rate is at Record Lows Majority of Canadian consumers continue to increase their debt burdens despite recent efforts from regulators to tighten lending standards, . . . .

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Equifax Suggests 10 Ways To Im...

Oct 22, 2013

Equifax Suggests 10 Ways to Improve Your Credit Report Global leader in consumer, commercial and workforce information solutions provider Equifax urges home buyers to maintain an excellent credit history to . . . .

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How To Get Started With Debt R...

Oct 21, 2013

How to Get Started with Debt Relief and Debt Consolidation Debt relief for consumers is needed today now more than ever. The recent global economic crisis in 2008 and its lingering effect have triggered the ne. . . .

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How To Better Manage Your Payd...

Oct 21, 2013

How to Better Manage Your Payday Loan Latest government statistics have shown that the number of payday loan requests has increased 109 percent in the past two years alone. But the figure is expected rise in t. . . .

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Landlords Descent In Ontario T...

Oct 21, 2013

Landlords Descend in Ontario to Provide Affordable Social Housing Solution More than 1,100 landlords, policy makers and issue experts descendent in Ontario recently to tackle Ontario's critical need for afford. . . .

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Canadas Housing Sector Remains...

Oct 21, 2013

Canada’s Housing Sector Remains Strong Canada’s housing sector remains strong as latest data from The Canadian Real Estate Association (CREA) showed that the national home sales posted modest gains in Septembe. . . .

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Discussion Topics Below

RE: ARM Collection.. and ano...

Apr 16, 2014    Post By: - TJ.brooks

When you signed the contract with the original creditor, in the fine print you will find it stipulates that your account can be reported to reporting agency and assigned and or sold to a 3rd party collections. If it has. . . .

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RE: ARM Collection.. and ano...

Apr 16, 2014    Post By: - rugbyguy1980

But would the reporting not be subject to this? Notice of intention to get consumer report (2) No person shall request or obtain a consumer report, (a) containing personal information about a consumer; or (. . . .

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RE: ARM Collection.. and ano...

Apr 16, 2014    Post By: - TJ.brooks

These collection agencies for the most part are all members of Equifax and TU....they have to be to get info. So they already pay a member ship fee....no extra cost for inquiries or very minimal. Good luck trying to. . . .

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RE: ARM Collection.. and ano...

Apr 16, 2014    Post By: - rugbyguy1980

If they did manage to get this to stick onto TU and EQ, even momentarily, and I sent documentation that it was erroneous, would my score reset to that before this issue?

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RE: ARM Collection.. and ano...

Apr 16, 2014    Post By: - rugbyguy1980

TJ, thank you. So basically, when the rep says, '24 hours', there really are no teeth. Random question. They have to pay to do those hard inquiries, no? Is it really worth their time and effort over something le. . . .

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RE: ARM Collection.. and ano...

Apr 16, 2014    Post By: - TJ.brooks

You are correct...the SOL is long gone...they missed the boat, that ship has sailed. But yes the collection agency could make inquiries from the 2 credit reporting agencies and they could show up as hard inquiries ther. . . .

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ARM Collection.. and another...

Apr 16, 2014    Post By: - rugbyguy1980

Hi folks.. I just saw that there was a post.. two topics under this one? So I apologize for another zombie debt.. but I assure you, this one is quite.. different. Firstly, I live in Ontario. I've read the forums an. . . .

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Shelter Inc.? :CRA SOTW

Apr 14, 2014    Post By: - Alan Baggett

Shelter Inc.?:CRA SOTW Shelter Inc.? Jaime Golombek National Post, If you operate your small business through a corporation, no doubt you are fully aware of the two main potential tax advantages: a preferent. . . .

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Debt managment program still...

Apr 11, 2014    Post By: - Spitz20

So ive been off a debt managment program since jan 15, 2007. Yet when i apply for credit the banks still see it. Ive called equifax and transunion about having it removed with no luck. I also have a proof letter from th. . . .

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RE: Annulled Consumer Propos...

Apr 11, 2014    Post By: - TJ.brooks

Guess my question is how long did you still have for it to become stats barred before you presented the proposal?

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