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91
Consumer Proposals / Re: Question for those who have paid off CP
« Last post by CP_2_be_BetteR on November 09, 2017, 03:48:06 PM »
My Proposal just shows up under public records and other information, with information regarding date filed/completed etc.... 

As for the accounts they show derogatory however in the note section it states "included in consumer proposal" all balances being zero except high credit amount.

Hope this helps I tried to post pictures but I cant seem to get it to work.

Best of Luck

Yep, what he said :)
92
Consumer Proposals / Как открыть р
« Last post by Robertlal on November 09, 2017, 03:32:01 PM »
Как открыть ресторан или  бар? Все ответы Вы можете найти у нас на форуме Ресторанного франчайзинга.
На форуме ресторанного франчайзинга будет:
 
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93
Consumer Proposals / Re: Finding job
« Last post by Kay on November 08, 2017, 09:02:50 PM »
Yes I never intend to give any false information. I have never filed bankruptcy so my answer is no and I have given my consent for credit check. I would wait for the response and see how it goes further.
Keep me in your prayers please.

You never want to make a false statement on a application because that looks worse than debt. If you've never been bankrupt you can honestly tell them no and you should consent to a credit check because they may not even accept it without that.  If they have a problem with you they will tell you and then you can plead with them after or explain your situation.  Not every debt is considered a deal breaker but if you don't tell them everything that does look bad. The worse case scenario is that you will be denied and then you keep looking. You might have debt that is understandable and they don't care about.
94
Consumer Proposals / Re: Finding job
« Last post by Herbert on November 08, 2017, 09:27:42 AM »
You never want to make a false statement on a application because that looks worse than debt. If you've never been bankrupt you can honestly tell them no and you should consent to a credit check because they may not even accept it without that.  If they have a problem with you they will tell you and then you can plead with them after or explain your situation.  Not every debt is considered a deal breaker but if you don't tell them everything that does look bad. The worse case scenario is that you will be denied and then you keep looking. You might have debt that is understandable and they don't care about.
95
Consumer Proposals / Re: Finding job
« Last post by Kay on November 07, 2017, 11:58:42 PM »
Now I am confused :/
I was about to leave to transfer the deposit and fill the online form...
would it be ok if Intalk about it after getting a response to my application?


If the landlord is running a credit check, I think it would be best to be upfront with them about having a poor credit.
You have not filed for bankruptcy, so that first question does not apply to you.
96
Consumer Proposals / Re: 1 year since I filed for CP
« Last post by Jennykk on November 07, 2017, 09:30:12 PM »
Is cdn tire part of your proposal?

Wetcoaster.

I have a cap one card that I applied for about a month after my CP ( made sure my credit file reflected the completion). I was approved instantly with a 3k credit limit.

I don't think it would hurt to try now, you shouldn't need to wait a year. On another note I applied to Can Tire at the same time as well and was approved for a higher limit then my Cap one. It is helping me
In leaps and bounds to improve my credit score as these two new credit lines post CP are above the 2k threshold.

Its worth a try
97
Consumer Proposals / Re: Finding job
« Last post by Jennykk on November 07, 2017, 09:28:21 PM »
If the landlord is running a credit check, I think it would be best to be upfront with them about having a poor credit.
You have not filed for bankruptcy, so that first question does not apply to you.
98
Consumer Proposals / Re: Finding job
« Last post by Kay on November 07, 2017, 01:21:28 PM »
Thank you Herbert for your positive answers. There are two things in the rent application form. First, they ask if the applicant has ever filed bankruptcy. Second, at the end of application, they take the consent of the applicant to do the credit check i.e the applicant signs there. What would you say on that?
I was also thinking not to mention it and submit the application and see what comes out.

Unless they are specifically asking you to answer a question about credit, I would not mention it.  Most apartments don't even do credit checks, maybe a small private landlord might.  They want your first and last to clear and some indication that you have the means to pay the rent.  I don't see any reason to voluntarily disclose a negative when they are not asking for it. Only disclose this if they ask for it, they may even do a credit check and conclude that they don't care about your debt because you are in a bad position and just need an apartment.  People straight out of jail and on welfare can get an apartment, if you fail with this landlord just keep looking. When I first moved to Toronto they didn't even ask and serious questions and I got the place, that was a long time ago and things may have changed but I also spoke to another friend who moved to an apartment with horrible credit and a separation from wife and a suspended license and all they wanted was first and last and a heartbeat.
99
Consumer Proposals / Re: Finding job
« Last post by Herbert on November 07, 2017, 01:04:09 PM »
Unless they are specifically asking you to answer a question about credit, I would not mention it.  Most apartments don't even do credit checks, maybe a small private landlord might.  They want your first and last to clear and some indication that you have the means to pay the rent.  I don't see any reason to voluntarily disclose a negative when they are not asking for it. Only disclose this if they ask for it, they may even do a credit check and conclude that they don't care about your debt because you are in a bad position and just need an apartment.  People straight out of jail and on welfare can get an apartment, if you fail with this landlord just keep looking. When I first moved to Toronto they didn't even ask and serious questions and I got the place, that was a long time ago and things may have changed but I also spoke to another friend who moved to an apartment with horrible credit and a separation from wife and a suspended license and all they wanted was first and last and a heartbeat. 
100
Consumer Proposals / Re: Finding job
« Last post by Kay on November 07, 2017, 01:28:50 AM »
Update:
Ok so my last landlord has sent me the application form. I have to fill the form and send it back along with the deposit.
What would you suggest? Should I discuss the credit rating issue now or i shall wait for the response i get after submitting the application and then discuss everything and offer for guarantor / more deposit.
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