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Tag: Bad Credit Rating

How You Can Boost Your Credit Score Canada Fast By 135 Points Or More In Just 37 Days Review

Need Canadian Credit Repair? Discover How You Can Credit Repair and Fix Credit In CanadaCredit repair and fix credit in Canada e-course review is an effort to find do it yourself credit repair secrets for Canadians!

Find out how you can instantly delete inquiries, late payments, judgments and charge-offs from your credit report. Discover and achieve:

  • Credit repair secrets
  • Credit repair Canada
  • Fix credit Canada
  • Raise credit score Canada

Credit score is a key that let you open all the doors of your personal financial needs to convert into successful financial transaction. Your low credit rating or a bad credit score can keep you locked from the liberty to enjoy credit worthiness and financial worry free life until you don’t try to fix your credit history to get good or excellent credit score. Always try to keep your eye on your credit report to get rid of discrepancies and unknown negative impact, you can even get your free credit report by mail by writing to credit reporting agencies, make a regular routine of checking your credit score to stay informed.

Low credit score don’t even effect credit seeker but it also make problems in every day life. Its an embracement that can turns into frustration when you need a personal loan, car loan, home mortgage, insurance and shopping for merchandise on credit but you know your loan application will be declined by the lenders because of your bad credit rating. The people having low credit score can’t enjoy the full benefits of higher credit limit on their credit cards when market is on mode of special discounts on big household product that you have planed from a long time to get on this special seasonal or special day offer. Most of all these people also afraid to use their most favorite right of price negotiation because they know if they do it, it will feel embarrassingly in case they don’t get approved for the payments. Moreover, you may not even qualify for a smaller loan until don’t get resolved certain negative items reported on your credit report.

One of my site visitor asked me about my review on the “Credit Repair And Fix Credit In Canada E-course” offered by www.creditrepairsecrets.ca, where as the title which have given to this post is actually the claim made by this company with a Canadian domain is giving on its sales page. I have disclosed the link to the landing page so that you will also see your self. Following are the punch lines that have enhansed hidden credit repair secrets download page for the people who are strugling to fix and improve low credit score:

  • Discover how to instantly delete inquiries, charge-offs, late payments & judgments from your credit report
  • How you can boost your credit score Canada fast by 135 points or more in just 37 days

Credit Repair and Fix Credit in Canada Overview

Credit repair secrets revealed variety of such claims on its sales page in which credit improvement feels like a piece of cake to repair, fix and boost, in reality process to repair bad credit seems difficult to remove low credit rating and convert it into good credit score in short spam of time. Remember; there are no instant credit repair secrets, credit score is not like you ask your credit card company or a lender that please issue me a credit clearance that I have been scheduled or paid back my pending payments and liabilities. Although if we know the sources that have made us a bad credit and after settlement with them they can issue clearance certificates but its not simple as that because this information have to go to the credit-reporting agencies who are maintaining our credit file record to deliver it when some authority is interested in it, where we also don’t know what else we are liable in their record that also need to be fixed and removed. Lets say we become free from all those negative entries from their record but it will take time. Correcting and deleting negative entries to show good credit score and rating require update from two of the major credit reporting agencies working in Canada; Equifax Canada and TransUnion Canada, as both of these companies maintain credit histories of millions of people independently, we need to have same updated information related to our credit score, rating and file from both of them, understanding your credit history when your credit report shows two different credit scores that can help you see yourself as lenders do, because we don’t know while applying for our next financial transaction; loan and credit card, our lenders, finance companies, banks, credit unions, retailers or credit facilitator will see our credit file maintained by Equifax Canada or the TransUnion. Anyway, coming back to the Credit Repair Secrets for Canadians e-course review:

Credit Repair and Fix Credit in Canada E-course Scam or Not?

Recognizing a credit repair scam is not difficult but people usually caught in scammer’s hands are needy besides holding poor credit histories that make them confused. This has become a part of our daily news in which such kinds of credit repairing companies target low credit rating consumers in which they build a hope to fix their credit report so that they can get approval for the loan, mortgage, refinance or other line of credit they need. Most of the consumers loose their money that they have paid to get an improved credit report but in reality when they ask for a new credit report from credit burrow they often left with the same low rating credit report. These consumers don’t even loose money they have paid to fix credit but also wasted their time and credit they want to get.

Where as Credit Repair and Fix Credit in Canada E-course looks like a hype but not scam, following are some good and bad things that are collected through physical evidence and remember not by practically using it, that’s the reason the Credit Repair And Fix Credit In Canada Review is based on physical snapshot.

Credit Repair and Fix Credit in Canada E-course Review

  • Discover how to instantly delete inquiries, charge-offs, late payments & judgments from your credit report and how You Can Boost Your Credit Score Canada Fast By 135 Points Or More In Just 37 Days ReviewDo it yourself credit repair secrets PDF format-handbook in detail
  • Ready to download from its official site
  • Step by step guide on Credit Repair and Fix Credit in Canada
  • Guaranteed techniques, rare strategies, hidden credit repair secrets, credit repair tips and tricks by guru for advanced and beginners
  • 60 days unconditional refund and money-back guarantee
  • Special discount offer includes four incredible ebooks as bonuses worth $129.80 absolutely free

 

It’s also known as 37 days to clean credit reviews for Canadians! If you search online about unbiased review on the credit repair secrets for Canadians e-course, you will find not even thousands but hundreds of thousands reviews on this pdf format eBook. Majority of reviews have not written by consumers actually have used this product but these have been coming from people or companies that have involved in marketing it to earn money in terms of commission on its selling and when you see if lot of people are talking about your desired product or service then it generally means its good that works for the both parties; the promoter and the consumer. We didn’t also use it but our review is based on its physical look and online environment factors that determine its good or bad. Moreover, You need to know absolutely nothing about credit repair secrets to get benefit right away from this 37 days to clean credit system, just follow the easy to understand step-by-step written strategies to get to know how you can take benefit from it.

Good points with the Credit Repair Secrets For Canadians:

The product is being offered as an informational digital product that can instantly downloadable to your computer and the seller is not asking for a full price but $1 trial offer give you opportunity to test it before you want to buy it complete. The product is available in the market from a long time without any user’s negative comments online. This product is offered for sale on one of the reputable marketplace called ClickBank which helps consumers in protecting their rights to refund in which you can get full refund of your transaction with in 2 moths of your purchase; guaranteed without returning it back, so if you feel it doesn’t deliver results according to the claim, you can ask for your money back. ClickBank has got a good online reputation that is a privately held online marketplace for more than 10,000 digital information products, Popular online billing and 3rd party payment processor. Moreover, Credit Repair And Fix Credit In Canada E-course is only one information product from Canada on this specific subject from a huge marketplace, probably the reason that has made it most popular since it was published. In relation to hiring a credit repair consultant to improve credit score and to delete inquiries, errors, omissions, charge-offs, misleading information, late payments and judgments from your credit report, it will save hundreds of dollars beside make you well informed and self educated on this complex subject.

Bad points with the Credit Repair Secrets For Canadians:

Credit Repair And Fix Credit In Canada E-course is not available in the physical market as a hard copy but you can only download it online in an eBook format. Although the site is registered with Canadian .tld domain but shows its owner is out side Canada, you can check its “Who is” record online to find out more information. Website design doesn’t look very professional in relation to high sales pitch writing on the site.

Credit Repair Secrets Conclusion:

Credit Repair And Fix Credit In Canada E-course is a best credit repair solution for Canadians or not, it depends on its workability, for some it may work great and for some it may not. But I recommend it because there is so much knowledge that you can get on the subject of credit repair and fixing issues beside it been offered on 1$ trial for 60 days with 100% money back guarantee that will actually helps anybody to make such kind of smaller investment for a productive cause before paying for the full price in exchange for a complete offer. There is plenty of information on professional subject of credit repair that is very hard to collect, you will not even get The Credit Repair Secrets For Canadians E-Course but you will also receive four valuable bonuses in form of digital books;

  1. 23 tips to get approved for a loan e-book,
  2. how to eliminate up to 70% of your debt instantly,
  3. the shortcut to boosting your credit score and
  4. 7 proven tools used to stop collection agencies.

Click here for more information about the do it yourself credit repair system and learn the so called guaranteed credit repair secrets techniques and hidden credit repair secrets for raising your credit to improve your qualifying chances in getting better loan terms! Get your trial copy of Credit Repair Secrets for Canadians now for only $1.00 and look if its work for you or not. You can take full advantage of 60 days of guaranteed period to review all the materials attached with e-course. If you still feel unsatisfied for any reason you may have, just ask for refund to get back every single penny you have paid and there is no even need to return all those materials you have received! Please don’t forget to submit your own Credit Repair and Fix Credit in Canada E-course Reviews, testimonials or comments, either you like it or not but your own findings will help other Canadians who are eagerly searching to find out about how to rebuild credit fast in hope to get a real credit repair system that is cheap in price but works great.


Bad Credit Loan Is Not A Loan But A Situation

Once I was working online on my financial portal, my neighbor’s kid come up to see me and when he observed I am busy, he placed himself with me silently watching what I am doing. After a while his developed curiosity pushed him to break the silence as he was looking on the screen that were showing commercials of bad credit loan, what he asked make me surprised a lot because I was not expecting such an intelligent question from at least a junior school kid;

“I know about variety of loans and credit instruments like mortgage, car loans, personal loans, home repair loans and credit cards because my parents have got these all and I usually heard their conversation every month while making our home budget that holds payments for these loans but I don’t know about the bad credit loan. What kind of loan is this and can my parents take it?”

I was thinking we are living in a highly advanced society that have a great impact of such financial instruments but most of the people think best to discuss with the teens; Although knowledge of loans, mortgages and other credit types are not meant for the young people being as a hard subject, but at least high school students should get the primary knowledge about what it means to borrow. Moreover, we should not wait for the time that our kids get these kind of information from their school but financial literacy should start at home with our kids as soon as it’s possible with an intension to build responsibility, confidence and power of good decision making, and when they start asking you questions on this financial subject, don’t hesitate because it’s a right time to begin.

Anyway, I replied him bad credit loan is not such kind of any loan product that can fit into any specific category offered by banks and other non-banking institutes because it’s a situation that can turn individual or business from good credit into bad credit rating and these people when require some kind of loans, say if it’s a personal loan then they can’t get the loan from personal loan lenders but from those lenders who offer bad credit personal loans. Do you know your parents are enjoying their loans and credit facilities on best rates and terms because of their good credit history that they have achieved through their regular timely payments without a break or delay? Let’s say your father have got a car financing that require monthly payment towards the car dealer or lender until its completely paid off, if he doesn’t pay his liability in form of monthly loan payments on time and don’t keep up with the regular payment schedule, his credit score will drop, in this kind of situation if he needs another type of loan then he will have to apply that loan to the specific lender that accept bad credit applications. That’s the reason if your credit history has turned into bad credit because of your negligence or have been lost your job and, or you can’t afford to pay off your liabilities on your existing loans then there is an only way to apply for your next credit that you need a lot to survive your life is bad credit loan. He was listening me very carefully and I was expecting another question that may have definitely build up in his mind; if we can get loan with bad credit and good credit history both then why should we care about responsible lending? As he didn’t find words to put another question because it may be a lengthy topic for that age but my responsibility is compelling me to tell him at least what’s good and what’s bad. So I added bad credit loans taken for any reason that may be car loan, home loan, credit cards or else are expensive kind of loans beside these loans are hard to get and; would you tell me if your parents credit history turns into bad credit one then what happens if they want any kind of credit after and while I was just paused myself he replied me an intelligent answer that everyone will definitely enjoy here, in his own words, he said “they will fight while making their home budget”, and this was an excellent answer that make him a genius among other junior school kids. As it were not completely understood by this young fellow but he knew his parents will get hard feelings because they have to spend more money to adjust their previously tight budget.

This was an interesting conversation between an adult and kid but completely different in form of discussing especially interesting topics of kids in which they usually don’t stop asking questions and it make environment so funny when an adult want to escape out from a situation, anyway but one thing that admire me about my neighbour’s kid, he is so concerned with the financial affairs of his parents that he want to do something that help them releasing their pressure.


Credit Repair Canada? Credit Repair Loans Vs Secured Credit Cards

Best way to repair credit Canada? Credit Repair Loan VS Secured Credit CardLooking for the best option to get credit repair in Canada in between Canadian secured credit card and credit repair loan? An individual need a good credit rating to get loans on best rates, insurance, or even apply for a job! Credit repairing companies can erase your bad credit rating and help you in getting back your good history. Credit repair Canada have become a big industry, there are plenty of companies offering their services to clean up your credit report for a fee beside you can also use credit repair software that enable consumers to correct errors and inaccurate information in their credit reports to boost their Credit score. Secured credit cards have been used most as a reliable way to erase bad credit and building up good credit history beside credit repair loan is getting attention of various people in Canada who require opportunities that cannot achieved with the secured credit cards.

Secured credit cards have been one of the best dealt credit repair services by most of the people in Canada because these are easy to get and bring up a simple way to build or rebuild a credit rating. Secured credit card application requires a predetermined amount of cash deposit (usually $500.00) where your credit card deposit works as your credit limit against your new credit card (MasterCard or Visa). The lender or a credit card issuing company may increase the credit limit or return the initial security deposit back to borrower on looking at his/her discipline when keeping up good record of regular payments history over a period of time.

Whereas the credit repair loans are concern, these are offered for fixed amounts and time. There are plenty of examples of borrowing to build your credit Canada like getting a loan for a Registered Retirement Savings Plan (RRSP) or a Registered Education Savings Plan (RESP) are good place to start. These kinds of loans are offered usually for a short period of time, until an income tax return comes in beside money stays with the lender (providing them security). As you are saving for your future goals like your retirement or for your child’s education, it will also highlight you are exercising good money habits. It will make your future borrowing easy as you have increased your assets and have developed a good track record like a normal person. As Lendit loan brings great acceptable way of credit repair loan that can offer great advantages to erase your bad credit rating and enhance your credit rebuilding process. Here is how you can compare credit repair loan with the secured credit card:

Credit Repair Loan vs Secured Credit Card
Compare and find solution to get a perfect credit repair Canada!

Title Credit Repair Loan Secured Credit Card
Deposit No deposit required Minimum deposit (usually $500)
Interest Rate 12.99% 14.90% – 19.50%+
Turnaround Time Same day approvals and funding It take time to process paper application (usually weeks)
Credit Check No credit check required Credit check required
Credit Reporting Reports as “I” Instalment Tradeline Reports as “R” Revolving Tradeline
Credit Amount $2,300 to $5,500 sizes $500 to $10,000 (based on deposit)

Source: LenditFinancial Inc., Newsletter August, 2012. How a Lendit Loan measures up…

How to fix your credit? You have to consult with one of a credit repair expert, who can better guide you one of the best program that works for you in your specific circumstances and need or may give you a customise credit repair advice accordingly. What’s the fastest best way to fix credit scores? Credit repair Canada is possible but holds a lengthy process, you have to take strict measures to improve your credit rating and it will take your time and dedication. You will get lot of credit repair companies online and, through television and newspapers claiming to offer you a guaranteed credit fix like “erase your bad debt today”, whereas getting a fast credit repair is impossible because it’s a slow process that require lot of time and effort to get it fixed. Don’t ever consider these kinds of credit repair experts that offer such claims like easy or quick credit repair. Best way to repair credit Canada is that which most of people consider following; while a secured credit card is well recognized tool that people have been using from years to rebuild credit, beside you may also go with the credit repair loan that offer legal, logical and reasonable way to fix and build or rebuild your credit with additional features to build and enhanse your savings and best of all it works for individuals facing critical financial situations like consumer proposals and bankruptcy. Adopt what suits you in your own circumstances and requirements, where Lendit credit repair loan is an enhanced form of traditional concept of borrowing to build your credit which offers faster, easier, more affordable credit rebuilding process that will help in removing your financial worries and getting your normal life back on right track!


How To Get Free Credit Report Canada With My Credit Score

Why do I need to check my free credit report Canada with my credit score?

Learning the basics of the credit report process helps you in maintaining your good financial health because credit bureau collects and maintains how you are doing with your financial responsibility, and to provide it for the people and the organizations who need to find out, have direct concern and interest in your financial history like your employer, business partner or a lender, where your credit score shows your credit risk or advantage. Its a number that has been calculated through a mathematical formula  that measure through assorted variables in your credit report such as your payment history, public records, and debt to income ratio. Here in Canada, according to Equifax’s ScorePower Report, FICO scores range between 300 (bad credit rating) and 900 (excellent credit rating), where lowest number shows you have been suffering from a critical and a bad credit situation likely to default and high credit score brings more and more advantages, like if you are applying for a loan your interest rates depends on it, rates will be higher if your credit score is low and in case of high credit ratting you will get best possible lower rates. The one big investment is your mortgage and most of the people know how good score has brought thousands of dollars in savings to their mortgage repayments. Your  Credit score brings an instant summary that holds just three numerical digits to know your creditability.

Getting a free credit report in Canada holds more advantages for Canadian residents in relation to the American residents but lot of people here in Canada even don’t bother to check their credit profile, this may also be possible that they don’t know if they are entitled to a free credit report or not. Although you will be offered a free credit report Canada but it doesn’t mean that it holds your credit score rating attached. Possibilities are, you may or may not get your credit score with your free credit report, “How To Get Free Credit Report Canada With My Credit Score”, lets clear this phrase.

There are lot of options you may order your credit report, like by phone, fax, e-mail, general mail or online form but getting your credit report at your physical address through your mail request and instant delivery through internet media are the safest and easiest methods.

By mail its free! The credit-reporting agencies will provide you, by mail, with a free copy of your report on receiving your request in writing. Getting a free credit report this way will not provide you with your credit score and it also take some days to reach you.

By Internet some fees apply! You can also order your credit report through TransUnion and Equifax Canada from these reporting agencies’ websites online. This method is quite easy, safe and fast since you will receive your credit report online almost instantly, may take just few minutes after you made your request and other good thing you will awarded with your credit score too. However, these credit-reporting agencies charge a small fee for providing you with an online copy of your credit report and score.

How to get free credit report online that contains your free credit score?

The only way you can obtain your credit score through online applications supplied by these two credit reporting agencies’ on their websites. The fee charged for your credit score might be higher than the cost of receiving your credit report online. However, the cost of your credit score will always include an online copy of your credit report. Moreover, your paid credit report subscription also includes several other features these companies may have but common one is offering you your credit identity protection. The intention of writing these few sentences up are just to make it clear for you that free credit report with free credit score can only be obtainable through these credit reporting companies online, TransUnion and Equifax Canada and it does hold a cost. Now question stands here then how this advertising media is using the phrases free credit report Canada like “free credit score Canada” “free credit report Canada online”, “free credit report Canada Equifax”, “free credit report Canada TransUnion”, “Equifax free credit report Canada” and more like these.

You know how this advertising environment have been so tighten enough today when we have plenty of platforms to select products and services we require and this kind of market behavior and customer’s trend in finding opportunities the main suppliers, producers and marketers are just trying to reach their market and consumers beside trying to balance their own business competitiveness, such kind of aggressive statements that looks golden opportunities, make them prominent to be readily click-able are not false but it require some limitations attached. That’s why (Federal Trade Commission) FTC new rules implemented early this year in America to restrict such free credit report offering through these credit reporting agencies to safeguard consumers interest from such free credit report scam happening by printing these sentences as bellow:

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV.
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.

Its compulsory by law to print this above statement on the website’s web pages that contains such free credit report offering and those companies could face fines for not expressing full disclosure about free reports. Although its an American rule for the American websites but we should adopt it on ethical grounds till its not come up as a legislation. How this is true we can have our credit report in Canada free online that holds our free credit score?

You will find several websites offering you a 7 days, 15 days, 30 days or else free trial period for their such services, which offers you to view your free credit report in Canada online for the said period and after expiring you must sign up to carry on using the same service as paid one and some also offers the same free trial service if not canceled before the expiry of the said period you automatically becomes there paid member to be liable for the paid subscription. That’s why always carefully read first about the terms and conditions for the said free Canadian credit report offering, you are going to sign for. Some people will use the same service to view their free credit report in Canada and then just cancel their subscription or a membership before the expiry of the said period.

This is how to get your free credit report Canada that also holds your free credit score, its a good way but you have to remember to cancel your membership with the said company before the free trial period will be up, otherwise they will be start charging you for a service that you no longer been using.

The Canadian credit reports and scores offering system in Canada is very similar to that in the United States, like we both have two common credit reporting agencies working among us, which are Equifax and TransUnion (Experian, the third one has closed its operations in Canada on April, 2009). But there is, however, one main key difference that brings more advantage to us in Canada, is that, unlike the United States, where a consumer is allowed only a single copy of annual free credit report once in a year, in Canada the consumer may order a free copy of their credit report as many times in a year he/she may without any restrictions but as long as the request is made in writing for the printed copy to be delivered by mail. You will find printed statistic on your free credit report that how many times you have received such copies and good thing is this, it doesn’t bring any effect on your credit score.

For more information on how to build or improve your credit history, and how to check for signs of identity theft along the sample credit report Canada and credit score documents you may visit Financial Consumer Agency of Canada. The Government of Canada offers a free publication called Understanding Your Credit Report and Credit Score that you can read online free there, you may also order a hard copy of said publication that is available free of cost to residents of Canada.

View your Free Credit Reports in Canada in seconds!

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