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Messages - Jennykk

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1
Consumer Proposals / Re: Counselling sessions?
« on: January 13, 2018, 07:26:45 PM »
I think Jennykk  and I both used 4Pillars which would be the reason why the counselling was different.

I still talk to 4Pillars all the time for advise and help.

We also got 1 year free at Equifax from them.

 We are a client for life with no more charges and I can call them anytime.

Yes! I used 4P.
There were errors in my credit report. 4P prepared the letter and sent it to the bureau.

2
Consumer Proposals / Re: 1 year this week our proposal was paid off....
« on: January 13, 2018, 07:24:34 PM »
I have 2 Mastercards from Capital One.  I had an original secured card that turned into a Gold MC. I took a chance on applying for a Costco MC.  To my surprise, I got it.  I had an Affirm card, but decided to cancel it. On principle, I couldn't pay $144 annual fee and 40% interest (even though I never ran a balance).  The only other card I applied for was an Amazon Visa.  I got declined.

Affirm is expensive. I pay $10 a month for using it. I pay off the balance every month.
I'll try the costco cap1.

3
Consumer Proposals / Re: 1 year this week our proposal was paid off....
« on: January 13, 2018, 07:22:41 PM »
I have two cards that I applied for about a month after paying off my Consumer Proposal and was approved for both.

Capital One - Unsecured  (never had to get the secured card)
Canadian Tire MasterCard - had my limit increased twice now.

Both are great but I like my Canadian Tire card better then the Cap One as Can tire upped my limit multiple times whereas Cap One wont budge.

Cdn tire was part of my cp. I applied but got declined. :(

4
Considering Bankruptcy / Re: Business failure
« on: January 11, 2018, 11:34:23 PM »
Please see a trustee as soon as possible. They are in a better position to assess your situation. Hang in there.

5
Consumer Proposals / Re: Counselling sessions?
« on: January 11, 2018, 11:31:39 PM »
Mine was informative. Talked about budgeting and reading the credit report. It was okay.

6
Consumer Proposals / Re: 1 year this week our proposal was paid off....
« on: January 11, 2018, 11:30:39 PM »
If they weren't one of your CP creditors, try Costco Mastercard from Capital One.  I am still in my CP with a credit score in the low 500's.  The gave me a CC with $10K limit.  Who knows how they approve/deny applications.

What credit card/s do you currently have right now? I have the cap1 gold mc and affirm. I'm thinking of replacing the affirm with another card.

7
Consumer Proposals / Re: Finally filed a consumer proposal
« on: January 06, 2018, 07:25:25 PM »
Congratulations for taking control over your finances! We've all been there. Neither CIBC nor Cap1 is part of my proposal so I can't comment on that.

I started rebuilding my credit after I filed my CP. I have cap1 gold mc and affirm mastercard. No secured deposit was required.
After a year of using cap1, they increased my credit limit from $2500 to $4000.

I use credit responsibly. Learned my lesson hard.

8
Consumer Proposals / Re: Holy cow!! CP accepted and no counteroffer!!
« on: January 02, 2018, 09:38:29 PM »
congrats to both of you! now, it's time to get your life back and start rebuilding credit.

9
Consumer Proposals / Re: Consumer Proposal Due to Gambling
« on: December 04, 2017, 11:29:48 PM »
Signed Nov. 23. Latest update: RBC said yes. MBNA and Walmart already closed my account. Waiting for the others. I proposed 400/mo x 60. 78500 total debt.

that's great! :)

10
Consumer Proposals / Re: Cost of consumer proposal
« on: November 28, 2017, 09:17:51 PM »
IMO, I don't think a cp will be refused. The creditors will ask for more money or will have your proposal terms amended.


11
Consumer Proposals / Re: My CP Journey - Updated
« on: November 19, 2017, 04:25:04 PM »
Which mortgage broker did you use?

12
Consumer Proposals / Re: Consumer Proposal Due to Gambling
« on: November 18, 2017, 08:14:39 PM »
Good luck! Keep us posted here. :)
[/quote]

Thank you. I will sign my proposal this Tuesday. Hope everything is ok.
[/quote]

13
Consumer Proposals / Re: Consumer Proposal Due to Gambling
« on: November 18, 2017, 03:26:42 PM »
Why wait longer? The sooner you deal with it, the better it is for your finances.
I owed a total of 46K when I filed the proposal. Half of that is with scotiabank. I also owed mbna, cdn tire, bmo and a couple of hundreds with the cra. I'm paying $250 every month on my cp.

14
Consumer Proposals / Re: Consumer Proposal Due to Gambling
« on: November 16, 2017, 10:39:03 PM »
Book an appointment with a trustee asap to know what your options are.

15
Consumer Proposals / Re: Finding job
« on: November 16, 2017, 12:43:49 AM »
Awesome news!

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