Your Credit Rating
The credit report records your credit activity for 7 years and in some cases longer. It is important that the information it is ... Read the full article >> See More Articles 
"I felt I had made a new friend whom I could just talk to in the future if I needed help." A United Way Member Agency
© 2008 Grey Bruce Credit Counselling |
Articles
Debts and Christmas"How many more shopping days until Christmas?" is an often asked question at this time of year. "Shopping", the spending of money, the use of credit and going into debt have become closely linked with celebrating this "joyous" season. Read the full article >>Are You Responsible for Your Spouses Debts?Each spouse is responsible for his/her own debts but while the spouses are living together, one spouse can purchase, on joint credit, goods and services that are true necessities of life and both spouses are responsible for payment. Read the full article >>Avoiding Credit Problems In A Two Income FamilyAs a two income family, you probably will qualify for more credit than either of you did alone. Responsible use of credit can extend a couple's purchasing power and bring more financial opportunities within reach. Read the full article >>Collection AgenciesThe Collection Agencies Act prohibits collection agencies from doing certain things. Read the full article >>Couples Spending and Saving TogetherFinancial tasks can be more complicated for two wage earners than for one. Although two salaries may mean more income, household expenses often increase because of work-related expenses such as child care, clothing, eating out, and transportation. Read the full article >>Credit and Gambling - A SurveyHere is what Credit Counsellors across Canada are seeing when gambling is involved. Read the full article >>Credit Awareness - National Consumer OverviewThis survey researched the Financial Fitness state of Canadian Consumers. It also identified the lack of credit awareness with those who use it in their day to day lives. Read the full article >>Garnishment of Wages and Bank AccountsEighty percent of wages, after statutory deductions, are exempt from garnishment, except in the case of a support order where usually fifty percent is exempt and in the case of some federal government agencies where there is no exemption. Read the full article >>Killer ExpensesExpenses that suddenly appear that result in a serious financial problem are sometimes called killers. They are killer because they seem to eliminate any way out for the person in debt. Read the full article >>Repairing or Establishing a Credit RatingMany of us may not have fit the criteria for a loan application. There can be many reasons for this. If you have no job, no collateral or your Total Debt Service Ratio (TDSR) was too high the answer is fairly straight forward: you need to earn more or spe Read the full article >>Stopping Interest ChargesMany creditors now agree to stop or reduce interest charges on accounts where their customers are participating in debt repayment programs through a Not-For-Profit Credit Counselling Debt Management Program. Read the full article >>Ways To Maintain Your Own Credit Record in Your MarriageIf you are employed and taking care of your own credit payments with your income, maintaining your own separate credit record is relatively simple. Read the full article >>Your Credit RatingThe credit report records your credit activity for 7 years and in some cases longer. It is important that the information it is reporting is true. Credit grantors, employers and even landlords can check your credit report if you give them authorization. Read the full article >> |
