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Mortgage

What is Mortgage Deferral?

What is Mortgage Deferral?

Mortgage Payment Deferral is a phenomenon in which you and your creditor agree upon deferring your Mortgage Payments for a temporary period of time. This can happen during the time when you are facing financial hardship or unemployment. Once situation gets back to normal, i.e. deferral period is over, your mortgage payments go back to…

Steps to your Credit Repair

Steps to your Credit Repair

STEPS TO YOUR CREDIT REPAIR Whether you have been Bankrupt, in a Credit Proposal, Under Collection, have Unpaid Judgments, or simply no credit at all, you can still buy a house. Get someone to buy the house for you. Simple easy and bam you are getting a house. But do not forget to tell them…

The Five C’s of Credit

The Five C’s of Credit

When lenders are evaluating a loan request, whether it be a mortgage or a car loan the principles of the five C’s of credit are applied. There are varying formulas that are utilized for each of the C’s but nonetheless each category’s weight contributes to the final decision. A method used by lenders to determine…

Get your Credit Report: Equifax

Get your Credit Report: Equifax

Check your credit report and score regularly. Equifax reports are widely accepted for mortgage and other lending requirements. Equifax has many consumer products. But if you want to quickly check your credit and score, this one is handy. Make an online account Equifax or call them to order one. Make sure to remember your user…

How to keep your credit healthy

How to keep your credit healthy

If you have applied for credit, you should have a credit file at credit bureaus. There are two main credit bureaus in Canada – Equifax and Transunion of Canada. Your credit bureau file contains your credit history going back 6 years, even longer if you have ever declared bankruptcy. Here are 5 ways to keep…

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