about 8 years ago, my wife and i decided to do a consumer proposal. two weeks ago i went to apply for a credit card and was completely refused. i didn't know what to say. we patiently waited all these before we applied for credit after that consumer proposal catastrophe stripped us of everything.

8 years later we can't get credit. I thought that the problems with consumer proposals would end after 6 years. once everything is paid off there shouldn't be any bad credit items listed on my credit reports. I just learned about credit reports while starting to learn about this subject.

when you get into bad credit situation it's really hard to get out. i never knew it could be this difficult. that's why i'm posting on here. i need to learn about this subject. i am determined to get my credit in a good position. i just have no idea where to start.

anybody?