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Consumer Proposals / Re: settlement question
« Last post by Frankanype on March 23, 2017, 09:08:37 PM »
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Consumer Proposals / Re: settlement question
« Last post by Wetcoaster on March 22, 2017, 06:11:59 PM »
Yes....you should send a copy to both of them.  There are online forms you can print off.
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Consumer Proposals / settlement question
« Last post by evandaniel on March 22, 2017, 06:05:17 PM »
2 years ago i settled a BMO debt of 3900 dollars and paid 3000 dollars the release letter from 3rd party collections said we will issue a full and final release. Checked my credit report and it still had the 900 dollars owing BMO said that it was just so no-one would continue calling you that is why you haven't heard from us in 2 years ? Does anyone know why. Should i dispute it through equifax and transunion as since then all my credit cards have been paid in full just that one holding me back
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Consumer Proposals / Re: Harm in applying for credit card during cp
« Last post by Anoushka on March 18, 2017, 11:14:58 AM »
We are both 2 years into our CP and applied for the Canadian Tire Mastercard. Both accepted. We each started with a limit of $1000 and an interest rate of 25%. After a couple months we each got an increase to $3500. I am now at a limit of $5000 and they reduced the interest rate to 20%. The Canadian Tire card has no annual fees like Capital One, and it seems like a lot of people on here have been successful in getting a card through them. May want to give them a try.
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Consumer Proposals / Re: Harm in applying for credit card during cp
« Last post by Jennykk on March 17, 2017, 11:59:06 AM »
Unless you get rejected by everyone else, don't bother with Affirm.  I originally got approved for $1000 at 28.6% interest and $84 fee/year.  They recently changed it to $144/year and 39.99% interest.  The yearly fee of $144 is bad enough, but 39.99% interest!!!! What a bunch of crooks.  Even though I never kept a balance, that interest rate is just outrageous.  I cancelled it right away.

I got a letter from Affirm that they're increasing the fees and rates. I can't cancel it yet as I just got the card for 2 months now.
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Consumer Proposals / Re: Harm in applying for credit card during cp
« Last post by LT on March 16, 2017, 08:00:57 PM »
That's odd, I wonder why they raised my interest rate? Every story is different. I got a Capital One Costco MC with a $10K limit. This is with a 510 credit rating and half way through a CP.  My mother applied for the same card with a 690 credit score and was rejected.
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Consumer Proposals / Re: Harm in applying for credit card during cp
« Last post by Wetcoaster on March 16, 2017, 06:15:00 PM »
Unless you get rejected by everyone else, don't bother with Affirm.  I originally got approved for $1000 at 28.6% interest and $84 fee/year.  They recently changed it to $144/year and 39.99% interest.  The yearly fee of $144 is bad enough, but 39.99% interest!!!! What a bunch of crooks.  Even though I never kept a balance, that interest rate is just outrageous.  I cancelled it right away.

Ours was $84 a year and got a letter in the mail today saying it is being raised to $108 a year....no change in interest rate.  No way we will cancel as we do not carry a balance and we cant get another card right now.
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Consumer Proposals / Re: Harm in applying for credit card during cp
« Last post by undersc0re on March 16, 2017, 09:59:48 AM »
1 year into my cp and my online application seems to be good....its on its way credit score of 551. I imagine the credit limit will be very low if it even does mail out to me. I assume this will not build my credit rating until my cp is paid off and off the report and my foreclosure is off the report. I found it surprising that my Telus cell bill is on the report.
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Consumer Proposals / Re: Harm in applying for credit card during cp
« Last post by Wetcoaster on March 15, 2017, 05:06:59 PM »
How long after the CP is paid off should we apply for different cards? 

I have a Peoples Trust M/C and my wife the Affirm M/C that we have had for 6 months.

The CP has been paid off since early January.

Unfortunately Capital One was part of our CP so they are ruled out as of now.
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Consumer Proposals / Re: Questions re: Equifax Credit Report after CP
« Last post by Wetcoaster on March 15, 2017, 05:01:43 PM »
Our CP was paid off in 5 months in early January.  Both Equifax and TransUnion have major errors.  I was told to wait a few more months to start to correct them. 

TransUnion Score 512
Has our Toyota car loan as paid off as part of the CP which it was not
Says there is a balance of $9000 with TD
Has a couple old BOM M/C as open
Says another C/C was written off as bad consumer debt but was part of the CP
Does not show our mortage that we are paying


Equifax Score 559
Has a C/C saying written off in Bankruptcy not CP
A TD LOC was closed and written off before the CP which is not possible.

Fun times.
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