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Credit Repair British Columbia - Credit Score BC

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Getting Credit after Bankruptcy or a Proposal or a Credit Counselling Debt Repayment Program.

One of the purposes of a BC Bankruptcy is to give an unfortunate but honest debtor a fresh financial start. Part of that fresh financial start is the ability to reestablish a good credit rating.

A diligent debtor will be able to establish a good credit rating in as little as two years after a bankruptcy discharge or the completion of a consumer proposal by following these steps:

xStep 1 - Get your Bankruptcy Discharge or the Certificate of Completion for your Consumer Proposal or Division I Proposal from your bankruptcy trustee. Once this has happened the credit bureaus will be notified of your bankruptcy or proposal discharge.

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Step 2 - Clean your credit report. Obtain a copy of your credit report and look over it. You can notify the credit bureau of any errors, and ask them to correct the errors.

xStep 3 - Get New Credit. Once your credit score is improved you can obtain new credit. You should use your new credit wisely to prove your credit worthiness. A secured credit card can easily be obtained and used to improve your credit and show your credit worthiness. It is also advisable get other credit such as a loan for an RRSP.

Apply for a secured credit card today and you can use the card to start to rebuild a payment history that will be reported to the credit bureaus.

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PointerCost and how long in bankruptcy;

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Information:

Steps in a Bankruptcy;

Steps in a Consumer Proposal;

Consumer Proposal
(Avoiding bankruptcy);

Bankruptcy FAQ's;

Debts that are Erased;

How Long in Bankruptcy;

Cost of a Bankruptcy;

Bankruptcy Exemptions;
(Assets you keep in a bankruptcy or proposal)

Credit Bureaus and Collection Agencies;

New Bankruptcy Laws;

Privacy Policy;

Disclaimer;

Free Credit Report.


After Bankruptcy:

Budgeting Spreadsheet.
(Free Excel Spreadsheet for personal budgeting)
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Income & Expense Form
(Send to Trustee each month)

Application Form.
(Take this to your meeting with the trustee)