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Consumer Proposals / Re: 1 year this week our proposal was paid off....
« Last post by Jennykk 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.
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Consumer Proposals / Re: 1 year this week our proposal was paid off....
« Last post by LT on January 11, 2018, 01:31:32 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.
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Consumer Proposals / Re: Counselling sessions?
« Last post by LT on January 11, 2018, 01:26:37 PM »
My sessions were pretty much a joke too. The first session they gave me a pamphlet on budgeting and asked me how I was doing.  The second session was all of 10 minutes, asked if I had any questions.  In fact, I gave them advice.  Ha!
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Consumer Proposals / Re: 1 year this week our proposal was paid off....
« Last post by Bank-snoopy on January 11, 2018, 10:43:14 AM »
canadian tire - great card
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Consumer Proposals / Re: Consumer Proposal Due to Gambling
« Last post by novascotiaman on January 10, 2018, 10:25:38 PM »
she has some assets. our sons resp is on her name worth 16000 and 2000 home equity. so she needs to offer a little bit more.
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Consumer Proposals / 1 year this week our proposal was paid off....
« Last post by Wetcoaster on January 10, 2018, 07:55:40 PM »
Kind of an anniversary of sorts.

Proposal was accepted July 2016.....paid off Jan 7 / 2017

The proposal has been paid off 1 year now....2 to go before it drops off.

Equifax is now 660
Transunion is   650
RBC/TRansunion score is 712

Thinking of applying for another credit card.

Any ideas?
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Consumer Proposals / Re: Consumer Proposal Due to Gambling
« Last post by Wetcoaster on January 10, 2018, 07:51:19 PM »
Concrats....now to move on to better things.

Any reason why her payments are so much higher than your when the debt isnt that much different?

We were able to file jointly with about the same amount of debt as the 2 of you and got accepted at $860 for 60 months.

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Consumer Proposals / Re: Counselling sessions?
« Last post by Wetcoaster on January 10, 2018, 07:46:52 PM »
Sounds like you had a bad counsellor.  Both of our 2 meetings lasted 1 hour.

We had to write every expense down ....food ,clothing...,gas ,leisure....etc  for the 6 weks between meetings and then they
went over where we should cut back etc.  It was pretty eye opening and helpful.
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Consumer Proposals / Re: Consumer Proposal Due to Gambling
« Last post by novascotiaman on January 10, 2018, 05:12:34 AM »
Update:

😊😊😊 Proposal Approved. 400x60, 79K Debt. Wife approved as well, just need to attend a creditors meeting called by RBC but trustee said they dont have enough % to reverse the decision. 700x60 for her 85K. We can now start our new financial life. We're now used to our cash only budget. Things are looking good so far. Thank you to this forum and to everyone. It was life changing when I learned about CP on this forum.
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Consumer Proposals / Re: Counselling sessions?
« Last post by fireguy233 on January 09, 2018, 11:49:38 PM »
Mine were a joke. I went in to the session expecting a full out Gail Vaz Oxlade type intervention instead what I was given was a pamphlet about budgeting. it took about 15 mins was asked if I had any questions then I went home.

this was my experience for both sessions.......
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