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Share your Story / Consumer Proposal
« Last post by littlebear68 on March 18, 2018, 01:35:01 PM »
Anyone who has gone threw a Consumer Proposal know why on my credit report it shows up as a Bankruptcy ? I know for a fact BDO did a proposal for me got the papers for it
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It could be that file isn't updated yet.
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Consumer Proposals / Re: Consumer Proposal and tax return for 2017/2018
« Last post by Jennykk on March 18, 2018, 12:45:45 PM »
I filed my own taxes and have gotten refund for 2 consecutive years - 2016 and 2017. I kept the refund. Made extra payments towards my proposal.
I'm not familiar with Quebec laws so I'm not sure if your taxes should be filed your trustee.
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Consumer Proposals / Consumer Proposal and tax return for 2017/2018
« Last post by KurimBambuk on March 18, 2018, 08:10:01 AM »
Good morning,


Please advice If I apply to consumer proposal my tax return (Federal and Quebec government) now for 2017 and 2018 and GST credits will be filed by the trustee and would go in trustee account?
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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”
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It took me 4-5 months to get things correct Equifax and Transunion.   

What do you mean by report negatively?  What does it say?
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Seeing as my trustees office doesn't give me any information or advice, I have to clarify here. Creditors included in the proposal are not allowed to continue reporting negatively to the credit bureaus every month?
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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)
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I emailed my trustee's office (with whom I'm not impressed), asking about RBC reporting. She said its common and many times they continue to report monthly for the duration of the proposal.  ???
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Hey, can you see anything under public records section in your credit report. How much is the score now?

How long do creditors typically report non payment to credit bureaus after proposal has been accepted?

My proposal was accepted Feb 20. RBC voted yet. They are reporting non payment according to Borrowell.

Borrowell online is showing a 200 pt dive. 493. Mogo is still showing around 683.
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