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Messages - Wetcoaster

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1
Consumer Proposals / Re: Refresh Financial Secured Visa
« on: April 22, 2018, 08:49:53 PM »
Hi, everyone. I just thought I'd share this with anyone in, or just out of a CP, and trying to rebuild their credit. I've seen a few posts about people being charged unreasonable annual fees for secured cards, and this one is much cheaper at only $12.95 per year, with a lower interest rate, to boot. Also, for anyone who feels a little self-conscious about whipping out well-known secured cards in front of people, this isn't very well-known, and looks pretty snazzy. No one would think it's a secured card. Just Google "Refresh Financial Visa".

Also, a little update on my progress. Both my TU and EQ scores are now at 750+ since being discharged from my CP, July, 2016. And I just got an Amex Simplycash (the no fee version) in the mail today with a $6400.00 CL! Time to ditch the Capital One Gold card! I'll be keeping my Walmart Rewards Mastercard, though, since it's the oldest on my credit file.

Stay positive, everyone!


Very good credit score for only that long out.  I am 16 months out after finishing our CP and am sitting in the mid 600's.

I have 2 Capital one cards and a CT M/C for a total of $9000 credit.


2
Consumer Proposals / Re: Car Lein and CP
« on: April 22, 2018, 08:46:47 PM »
Talk to your Trustee.

Not to be mean but I have no sympathy for you at all driving without insurance. 

I will stop before I say worse things.


3
Consumer Proposals / Re: Found a replacement for Affirm!
« on: March 29, 2018, 06:55:45 PM »
I applied on Tuesday.....got a call I was approved today.

Thx Jennykk

4
Consumer Proposals / Re: Found a replacement for Affirm!
« on: March 27, 2018, 06:48:14 PM »
Concrats!   Maybe I will look into that also.

5
I get alerts that there’s new missed payments. Most recent from credit karma (trans union) shows RBC visa as “in collections/charge off”. Scotia cc shows “30-59 days late” with a status of “2”

It took me months to make everything was reporting properly.

 Don't stress over it...even when things are straightened out it is a long road ahead to rebuild credit.

6
We also filed and got our tax returns.

7
It took me 4-5 months to get things correct Equifax and Transunion.   

What do you mean by report negatively?  What does it say?

8
Borrowell,Mogo and Credit Karma only update once a month as far as I know.

It is up to you to make any corrections with Equifax(by mail) and Transunion (by phone or mail)

9
Hi All

Just wanted to see if anyone is having the same issue as me...Consumer Proposal was accepted in April 2016.
One the debtors who have been included in the CP is still reporting to credit agencies against me a monthly basis. Is this allowed if they are technically already receiving a portion of the Proposal?  I have reached out to Equifax, however they refuse to update this until the CP is paid off...

Any information or personal experience regarding this would be gratefully appreciated.

Thank You!


Who is the debtor that is doing this?  I am not sure why Equifax would not be able to update it.

10
Consumer Proposals / Re: Experience with President's choice
« on: March 10, 2018, 04:41:49 PM »
Got my Capital One yesterday......$5000 limit @ 14.99% interest.

11
Consumer Proposals / Re: Experience with President's choice
« on: February 28, 2018, 07:37:32 PM »
Today I was approved for a Capital One M/C 13 months after our proposal was paid.  They were part of our proposal.

12
Consumer Proposals / Re: Update on my case
« on: February 28, 2018, 07:36:00 PM »
Yes....meet with 2 or 3 Trustees and you will probably get different scenarios from them.

All the questions you asked here should be asked to your Trustee.

13
Consumer Proposals / Re: My consumer proposal
« on: February 26, 2018, 07:18:00 PM »
I always use Studio Tax to do our taxes.  Its a free program and is easy to use.

14
Consumer Proposals / Re: My consumer proposal
« on: February 26, 2018, 07:17:17 PM »
What she said.....

15
Consumer Proposals / Re: Looking for advice
« on: February 26, 2018, 07:16:01 PM »
1 -  It is my understanding you must turn over all you credit cards....at least that is what we were told.

2 -  Like jennykk said....open new accounts at a bank/credit union that isn't part of your proposal and move all your money there. 
       Also any direct deposits/bills that get taken out and move to the new acounts.

3-  Yes move all your money.  CIBC cant review anything.

5 -  Yes it is possible that CIBC will look and see that you spent a large amount of money right before your CP.  I dont know how likely though.

6 - CIBC was part of our proposal but didnt bother to vote.

7 - Our proposall was for about $130,000.  Our CP ended up being $860 for 60 months.

I also used 4Pillars.  They do charge for their services but work on your behave unlike a trustee.
You should talk to a few different trustees and you can also get a free meeting with 4Pillars and decide from there.




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