in 2009, after losing my job, got EI, it was became impossible six months later to keep up with my debt, I had two installments loan: 9000 and 12000 that i had been paying very well for more than 5 years and two majors credit cards with two big banks: that i had for more than 7 years, i had tried all the possible avenues not to go this way but the only choice that was available to me was bankruptcy. the total of debt was $49.000 and I lost my RRSP through this process.
I filed in 2009 and got discharged in mid-2010, I got a job, I requested a copy of my file from both credit bureaus : Equifax and transunion , sent them letter to correct a few info's that were not accurate, they did and 3 months later , I applied with capital one, I got a a secure card of $ 300 limit with capital one without collateral , in 2011, they raised my limit from $ 300 to $ 2300 which was so good for me.
In 2012, I received a letter from Capital one that offered me 3000 more that brought my card to 5300 which I was not longing for that makes me happy anyway.
after 30 months with Capital one, I walked to TD bank and they gave me a secured card of $1000.
I keep saving, I have a RRSP and TFSA, any advice that you could give to help me Re-establish faster will be much appreciated.
Thanks
