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This secure application is provided by T3Leads, please remember; payday loan is a "high cost short term credit". Warning: Late repayment can cause you serious money problems. eLoanCanada.com is not a lender and or consultant but an information site that offers resources and news about financial products and services available in the market - affiliate disclosure.

Tag: How To

How To Compare Mortgage Rates? Bank Of Canada Report Discounting In Mortgage Markets

Mortgage rate comparison seems to be a hectic job although there are various places online where you can get all the current mortgage offers to compare Canadian mortgage rates from best mortgage companies, banks, credit unions and brokers on a single place. To make sure you are getting the best mortgage rates, you should research lot of such places to reconfirm and compare mortgage rate along with the features and benefits of some of the great companies of your choice.

Why should I compare mortgage rates?

Homebuyers who compare mortgage rates and interact with the loan officer while explaining their financial situation to find out the best option accordingly during the pre-approval process are more likely to secure an affordable and competitive financing option. Usually all the mortgage seekers get the different rate on their mortgages. As mortgage interest rate can be affected by individual’s personal situation and particular needs, and if you are looking to get best mortgage for you, you should compare all of your options. According to The Bank of Canada: “those who compare mortgage rates do get better deals on their mortgages”, that’s why always shop around to get savings on your mortgages.

How can I get best mortgage rates?

Compare Mortgage Rates CanadaBank of Canada has already laid down its findings for the general public, according to its report Discounting in Mortgage Markets in which it examined insured Canadian mortgages from the 1990 to 2004 and concluded the difference between the discount rates consumers received was always increasing. Here’s the study that shows how homebuyers and refinancers can improve their chances of securing a low mortgage rate:

  • Customers got the best rates by working with a qualified mortgage broker.
  • Asking mortgage lenders about preferential rates based on loyalty, age and finances.
  • Purchasing a home in a neighbouring community (those who live outside cities usually get better deals).

When you’re looking to buy or refinance home, you should always spend some time to research, Discounting in Mortgage Markets study clearly states; posted bank mortgage rates are best options as these offers mostly same rates but it’s the negotiating that enables mortgage brokers to provide their customers lower rates on their mortgages.

How to compare mortgage rates online is just a click away, give some time to the online environment to get the power to make an educated decision. After rate comparison, you may select some of the mortgage brokers to contact them personally. It will help you in getting best mortgage deal while negotiating the deal, talk to a mortgage expert to improve your chances of getting an affordable mortgage loan product.


How To Get Out Of Payday Loan Debt Is What To Consider Before Applying For A Loan

There are lots of places online where great number of people usually asks about; “how to get out of payday loan debt”, although this is a question that should always consider before applying for a loan. Nobody will go into such a miserable situation where it becomes impossible to return the loan, if borrower understands what does payday loan stands for. Payday loan is not a regular form of credit that basic financial institutes recognize and favor that’s why banks don’t deal.

Payday loan Canada is an exclusive option of getting instant cash when financial emergency arises but getting an instant payday loan also means getting into instant debt because most of the payday loan borrowers don’t usually have enough money to payoff the full loan amount at the due date. This kind of situation cost extra payments to extend the loan and such kind of debt cycle may continue till loan is not fully paid off. It may also compel some borrowers to apply another payday loan to pay off the existing payday loan that means going into an unaffordable and bigger debt cycle. Although there are some financial companies that also offer a payday loan debt consolidation but it also require another extra charges to hire such kind of debt help service. Don’t let this kind of payday loan mess ever happened to you, always try to pay off your payday loan as fast as possible.

What to Consider Before Applying For a Loan

How to get out of payday loan debt is a critical situation, you can get variety of debt relief solutions from great number of debt settlement companies working these days but it is not feasible to take it on the payday loans especially because its not feasible to take it on your short term loans, always try to avoid it. There are many factors that require considering before applying for a payday loan.

1. Do you really need a payday loan? Always borrow what you afford

Its one of a basic question that you should ask carefully because you know how much you need and how much you afford. As you know payday loans are expensive that’s why don’t exceed your borrowing in relation to your affordability that you can easily spare the funds to repay the loan on the due date until your next pay cheque. If your regular monthly income is not sufficient to pay off the loan, then you need to think prior to getting a loan about, how to arrange extra money to get rid of the loan in full and to avoid further costs and charges?

2. Have you considered other loan options? Alternatives to payday loans work great

As you know payday loans have an expensive nature that’s why it’s important to utilize other options to payday loan alternatives in getting the required cash. It may be your family members, friends or even your own employer that may help you in providing cash you need. You are advised to look into these kinds of inexpensive arrangements.

3. Is it the first time you are applying for a payday loan? If not, go with your same payday loans lender you already dealt with

If you’ve already taken out a payday loan, it’s probably best to use the same lender again! You will get more money, saving and a quick loan approval than if you were a first time applicant as you’ve successfully established your credit history with the lender already.

 4. Avoid payday loan rollovers

The payday loan process can fast and easily get complicated while making your personal debt miserable, don’t rollover your loan because payday loan lenders charge a high fees and interest on all these rolling over loans where it have been taken to extend your existing loan or pay back the first payday loan with the same lender.

How to get out of payday loan debt, is not written here in a way in which it will give you some effective ideas, ways or tips to get debt solutions for your financial problem but its written in a way in which you could understand the nature of this payday loan where it only allow you to take credit for what you can easily payout from your monthly income and if you know how to manage your short term financial liabilities efficiently this payday loan or cash advance will bring you a financial freedom for your unsecured personal loan; short term cash requirement, emergency need or what so ever for future to come.

From all of us at eLoan Canada, we wish you and your family a very happy new year and Xmas that will bring all of your wishes come to life with full social and financial support with great creditability.


How To Protect Your Investment Against Mortgage Fraud

Do not spoil your realestate investment by mortgage fraudReal estate is the largest lifetime investment and for a great number of people, purchasing a home is an expensive investment in relation to their income. Having the enormous price tag that required decades to be paid off that automatically buildup an emotional relationship, being an honor and financial security that these people don’t want to loose. Despite the fact of being having big asset there is also a threat that can lead to a number of dangerous outcomes. Every new homebuyer should take great care when entering into mortgage transaction to avoid and protect its investment against mortgage fraud. There are many types of mortgage fraud today, three of which are common among the general public that may happened as a principally fraud are being greatly observed and happened are; the title fraud, mortgage fraud and the value fraud.

These are some of the mortgage loan fraud news happened in Canada:

A North York woman lost the 100-year-old home valued $300,000 in which she had lived in for 30 years, became a victim of identity theft. She lost her mortgage secretly placed on her home by thieves, a mortgage that a judge ruled valid, even though obtained fraudulently.

In the province of Alberta last year, the Bank of Montreal alleged a $120 million mortgage fraud scheme, the largest in Canadian history. It involved, according to the suit, bankers, lawyers, private citizens and possibly elected officials. Their scheme was one of the simplest: over-inflating mortgage values and using “straw buyers,” i.e., people willing to pose as mortgage seekers and sign up for the loans.

Many homebuyers in Canada are unaware of the dangers posed by identity thieves when it comes to their real estate investment. Unfortunately, one of the three main forms of mortgage fraud, the real estate title fraud is on the rise. According to the Canadian Association of Accredited Mortgage Professionals (CAAMP), real estate industry insiders now peg the average case of real estate fraud at $300,000. In comparison with the other big threat, the RCMP estimates the average credit card fraud case in Canada to be $1,200.

These are few tips that will help you to avoid fraud and protect your investment against mortgage fraud:

  1. You are strongly advised to check your credit reports through Canadian credit reporting agencies like www.equifax.ca and www.transunion.ca beside all the financial and bank statements regularly for all the inconsistencies, unknown charges and unauthorized credit inquiries.
  2. Try to avoid disclosing out your private and confidential stuff. Don’t give out personal information in person, over the phone line and or on the Internet unless you don’t feel confidence and know who you are dealing with, how it will be used and shared.
  3. Protect your mails, be alert to billing cycles and when bills or mails haven’t arrived.
  4. Don’t throw your important papers as these are; always shred any documents or materials with personal or financial information prior to discarding them.
  5. Always seek advice from a real estate expert who is licensed in your area when shopping for a home.
  6. Ask your mortgage professional, broker or consultant about how title insurance could help protect your real estate investment.

How to protect your investment against mortgage fraud, is a very simple question but its answer is complex as it greatly involves human intention, I’m not saying that all the sellers out there are suspicious or fraudulent but every buyer should need to do some due diligence on your own. There is a thin line in between good and bad and you should always avoid and get more cautious on those mortgage deals that sound “Too Good To Be True”, always prefer best mortgage rates instead of those lenders who offer cheapest one. If you don’t know the real estate market and how this mortgage works then your foremost move should be to leave that offer at once. And when you get involved in a transaction, you should go out to discuss about your deal with those people in the market that don’t have any relation with the said transaction to inquire about not even your mortgage transaction but the people you are dealing with.


How To Set Financial Goals

Basics of financial planning and setting financial goals! Most of the people often face problem in managing their money in relation to how to make it. It may be your habit of overspending, taking too much credit and involving into variety of loans or it may be your bad luck but it feels really shocking when some one with good financial history descend into poverty and indeed into bankruptcy.

There are plenty of reasons that effects our personal finances, these are some of the interesting things which may come in your life that may require a great effort of money management financial to deal with. Some times it may be in our control but our impulsive behavior may not help us getting out of it and some times it may be our bad luck that may ask us to pay the price, in all its way you have to pay the price.

1:  According to the Statistics Canada’s latest reports 50% of married people go for a separation every year. In it’s latest finding nearly 70,000 were divorced where nearly 150,000 Canadians marrying every year. Among married couples, money management problems are the leading cause of separation and divorce.

2:  As we know superstars including celebrities and top athletes have to maintain their image in the public and for that reason they have to spend more. Although these people make millions but sometimes their heavy spending habits may loose them all.

3:  There are plenty of people who don’t care planning and rush them selves in getting things on loan and getting more than one credit cards without thinking about, these people are not fulfilling their dreams but ruining their real financial life while increasing their liabilities and threat being caught in the debt problems.

You will find plenty of money management strategies but I personally believe in saving rather than making more from it because in reality, a dollar saved is more than a dollar earned, since I have already paid taxes on the dollar I have already earned; “A dollar saved is a dollar earned”.

Setting  Up Your Financial Goal

Setting financial goals is a smart choice! Setting a financial goal is same as setting a personal goal for you self. For example, if you decide to become a doctor, you develop an action plan that will get you there. Where as when you set a financial goal, you define what you need and develop a plan for achieving it. You have a definite aim and a clear path for getting there in certain amount of time.

How to set financial goals is crucial but rewarding! Goals like “get out of debt” and or “become a millionaires” are very common among us that required your persistence approach and hard effort to accomplish. In order to achieve your financial goal a little discipline on your side is required that may create a balance between your goals and enjoyment while ensuring your future financial security. Here’s how you can set your financial goals to achieve that will definitely require some changes in your lifestyle as you set these goals.

Short-term financial goals should consist the things that require your immediate personal attention to carry on life, building relationship and making a foundation to carry on the best hope entering into a successful future. It should not consist high expenses and pressure on your budget because you will be spending it from you current income or very limited savings that you may set and achieve within one month to one year. Examples of short term financial goals may include purchasing a kitchen utility, gardening utility, parking lot, family vacation, birthday and holiday gifts beside you may also pay off your credit cards or other utility bills.

Mid-term financial goals are goals that you have set and want to achieve within one to five years. You have the savings and you can easily manage your expenses getting all those things to improve your lifestyle. Mid term financial goals are best for purchasing a new car, repairing and remodeling your home besides paying off all your credit cards too.

Long-term financial goals are goals that may require a big investment that will take five years and longer to achieve, and it will accomplish indeed with your long-term savings. Examples of long-term goals may include purchasing a house, mortgage, retirement savings, college education funds and etc.

Dividing your financial goals into above these three time phases will definitely help you in achieving success with your personal finances. Short term financial goals may help you a lot in developing confidence and smoothly adopting and setting up other mid term and long term financial goals because these short term financial planning require a very small budget although it also comes from your savings but in just a fraction of risk you will get chance to study and correct your mistakes and problems.

Believe me the process of financial goal setting is quite simple and easy to do it job. All it needs is you to adopt the way you can do it easily and then follow accordingly. Here are 6 key steps in financial goal setting that will definitely help you in setting goals for success:

6 Steps To Reaching Your Financial Goals:

  1. Set and write down while dividing all these into short-term, mid-term and long-term financial goals.
  2. Make a goal setting worksheet; set and write down the dates to start working on your financial goals and a time frame to achieve these financial goals.
  3. Create a detailed, realistic, specific, measurable and achievable action plan because documented goals are easier to track and assessment.
  4. Be flexible because sometimes it requires necessary adjustments to your goals and strategies.
  5. Periodically review your financial goals and evaluate progress, you can better manage it if you measure it prompt, that’s why set a reasonable period to review as monthly, quarterly or what ever you may think better in your case. Remember, minimum will be the assessment period minimum will be the damage that also takes little time to handle the problem.
  6. Increase your financial knowledge. Take the services of financial consultant or ask your friends who can guide you personal investment options. Read books, articles and other financial stuff to enhance and update your knowledge.

Remember if you will be not spending wisely these financial goal setting and planning will not help you that’s why try to control your self when especially buying on impulse. This may be an excellent tip if you put such merchandise or stuff on a waiting list like a month and between that check other alternatives to compare prices and other features of interest it hold before purchasing one for you. This way you will get two possibilities to go with, either you may have it on a reduced rates or you may also say no to the product because it may be possible you don’t actually need to buy it.


How and Where To Get The Best Mortgage Rates Canada

People mostly looking to get answers for two most important questions when looking for a mortgage loan in Canada! How to get the best mortgage interest rate? and Where to get the best mortgage rates Canada? Finding for the best mortgage rates Canada is a tough job for new and even an experienced prospective homeowner. Most of the people believe that they are getting the best rate, however, often times they are ending up by paying higher interest opposite to their need for a lower rates. The mortgage market overwhelms most of the first time home buyers by forcing them to accept more costly and expensive mortgage rates rather than the lower rates known as the best mortgage rates Canada. This has made incredibly unfortunate for most of the Canadians to pay thousands of dollars over the value what they should be paying on their mortgages but there are various mortgage lending companies who don’t want mortgage shoppers to be taken advantage other than to provide the best mortgage rates Canada.

These best mortgage companies provides visitors with the resources necessary to make well informed educated decisions when comparing the best mortgage rates in Canada through a network of top Canadian mortgage lenders and mortgage brokers. This includes an efficient current rates mortgage calculator, which may compiles over hundreds of the best mortgage rates Canada from the top mortgage loan providing banks, credit unions and brokers working throughout Canada. This kind of quick and easy way to work out your monthly mortgage payments based on your budget, mortgage rate comparison plate form is an absolute requirement for any new and confused buyer looking for the best mortgage rates Canada that suit their specific individual needs. Moreover, they also offer guidelines through a concise Mortgage Guide that explains the basics of a mortgage, mortgage rates, types and comprehensive statistics to help all first time home buyers to search, compare and navigate the mortgage market and make brilliant and well thoughtful decisions. Such kind of mortgage advisory and facilitation is an invaluable tool for anyone looking to find and compare themselves of the best mortgage rates Canada not even for their residential but commercial mortgage rates Canada to lower their mortgage cost and payment periods.

It has been observed that most of the people undertake mortgages very lightly although there is a great need of a thorough research and to understand the mortgage process, rates, repayment options and types of mortgages. This reduces their ability to find best mortgage rates Canada, resulting in an expensive deal on their dream home. Due to today’s tight economic situation, no one wants and even affords to loose their hard earned savings to pay off their home when they could be paying for their other most important expenses like households, education for their children or planning a vacation for their family.

Its today’s reality that can be easily heard without any surprise if any person says about his or her financial condition as tight with money, home owners specially without any additional income may find it hard to pay off large amounts of their mortgage payments each month. That’s why, those first time home owner’s who don’t afford to pay these supplementary payments may face significantly higher amounts of interest on top of there already high purchase price due to the housing boom of the past few years. So it has become an integral duty towards your financial health to find a best mortgage rates Canada that can save you as a home owners in thousands of dollars in the long run, and making your investment worthwhile, every new home owners should educate themselves while researching a finding for the best mortgage rates Canada.

It has seen a considerable increase of people searching online for their mortgage and most searches have been taken place for the province of Ontario and our great city Toronto especially when searching for the best mortgage rates using a phrase like “best mortgage rates Toronto” and “best mortgage rates Ontario” are common among those borrowers looking for lowest mortgage rates in Canada. According to mortgage surveys internet usage for such consumers that were only 26% in 1999 have been increased to more than 40% today although personal relation with mortgage companies and people also considered a great way to find a best mortgage rates Canada.

Rate Supermarket Canada is becoming a great online mortgage service and resource center for busy people and who have been frustrated with navigating the real estate market, looking for an easier, intelligent and informed decision about their current or future homes. You may definitely get answer of your question, “how and where to get the best mortgage rates Canada?” Looking for a mortgage broker or a lender is no more difficult for people searching for the most affordable and qualified companies in all the provinces and territories throughout Canada. You will get high-class information and first class mortgage brokers, consultants and top banks to let you able to directly contact with your favorite lenders to facilitate your largest investment with success and reach your financial goals in finding a best mortgage rates Canada.

Best Mortgage Rates in Canada!
Compare hundreds of top lenders; mortgage brokers, big banks, credit unions and specialty lenders.


How To Enhance Retirement Planning Canada By Adopting Various Financial Choices?

Retirement planning means securing your future with enough money for the rest of your life without doing any work at all, have you secured it? Yes, it depends when and how you have started thinking about it, majority of people have started using retirement planning calculator through online media that mans people do care about their personal finance. Retirement is an important time phase of our life that every working individual has to deal with, it’s a time when you cant able to work more and the only option you left to take advantage of your every days financial needs and expenses is your savings and benefits through your monthly pension that you have gathered by doing your job. Retirement planning Canada is not different to other countries of the world, you definitely have made and saved more and more money to be utilized when retired and what has helped you to prepare your self-ready to keep going your daily financial affair free from worries after retirement it only depend on your financial decisions you have made for a long run. That’s why retirement should mean having enough money saved so that one does not have to work any more. An image of free life, traveling, gardening and liberty to do any thing to fulfill those dreams that were not possible when working is how most people define their retirement days. These factors are definitely viable so long as you pay attention to the financial choices you get in your own living when young.

There are a few important things that need your care and attention however while your retirement planning, that can easily ruin your retirement dream. It mostly happened to those people who don’t stay in their budgets and live a life-style beyond financial means. Residing outside your means is like spending your earning in advance besides it can also spend your previously earned savings.

People are very different in regards to earning potential due to their different mindsets. Some people make an effort to assorted plans most excellent to boost income potential by utilizing company incentives or perhaps utilizing a side-business as well as a full-time project. There are so many other people who are rather content material acquiring merely enough to get using every month. Putting together that effort to earn a little over will genuinely return in the long-term. Even if it’s just a couple of hundred dollars on a monthly basis, it will may still add up to numerous thousand in your own account in a year.

In case you have children going to take admission into college or university and indeed it seemed to be a big financial burden, having a positive thinking is not really left not longer than you in order to pay during assurance. Despite the fact that retirement may seem far-off, planning for your prospect should be precedence. It mother and father, reduction for just a college source is extremely generous, however it can also be the situation that robs you within your retirement planning. While understanding this fact early when children are in their junior classes because taking advantage of these programs such as the Registered Education Savings Plan (RESPs) that allow you for an eventual tax-free withdrawal and the Canada Education Savings Grant early on can also solve your financial burden over your retirement benefits. As you know that the money put into a Canada Educations Savings account by modest-income families is matched by the Canadian government and allows them to begin saving for a Canada Learning Bond and if you are a resident of Alberta you will be awarded with an additional programs such as the Alberta Centennial Educations Savings Plan, its another worth looking financial benefit you can have. Otherwise, there are still many ways to get rid of this financial burden that can be achieved by any student with little effort by simply going though desired colleges and universities enquiry and information centers that are available online, offline and through correspondence because there are plenty of student government programs, grants and scholarships that are available in Canada both provincially and federally beside you have also an option to get a student loans to support your children’s education expenses that doesn’t effect your retirement funds and benefits.

Getting involved in taking too much debt may harm your retirement planning Canada to decrease your funds a lot. Do not rely on taking most of your purchases on credit especially into larger loans, although your mortgage and your education loans are larger loan in their nature but these also work as an investment to boost your financial status. If you’re galloping to the bank or even racking up credit cards, make sure to repay what you owe when rapidly just like you can. Paying off your debts quickly will save you not even in your interest payments but free up your money for your investing purpose and on the other hand making minimum monthly payments will extend the duration of your loan that can cost you more money, may be thousands of dollars in extra payments to complete the credit process.

Retirement planning calculator is one of an excellent retirement planning tools that is easily and freely available online these days but the best retirement calculator is that which doesn’t even calculate your retirement savings and income but it should provide all the available information, enhancing factors, government programs and investments opportunities to find out and even calculate in advance to know how much it can boost your retirement income if adopted. Beside, using online retirement calculator you should always consult retirement communities, ask your colleagues, other employees and your friends doing jobs to find out about their own personal retirement planning advice, enhancing factors, types, news and strategy they been using in their own Canada pension plan and old age security planning for the retirement. While searching for the financial calculator if residing in Canada, always search and find out a best Canadian retirement calculator, because it can provide you all the information and programs related to your own financial planning for retirement available locally in Canada both provincial and federal employees can get real practicable results.


How To Get A Bad Credit Car Loan Canada With No Down Payment Fast

Getting a bad credit car loan Canada is not a problem anymore, you not even get your auto loan approval fast but at best rates without paying any down payments, as far as you shows your ability to pay off your debt for the required monthly payments through out the loan terms. There are various lenders who are offering you an affordable online auto finance for either new or used car, considering all credit types, so it does not matter if you have bad credit, slow credit, no credit or bankruptcy. These are called sub-prime lenders that you may contact them to apply either an exclusive one company offering such loan or you can go with the a network of subprime lenders, although you have better chances of getting best and low car loan rates Canada if you go with those sub prime lenders. Above all, bad credit car loans can be a smart solution for people with poor credit profile to get their car finance without the stress of the credit issues, moreover, getting a bad credit can also improve your credit score.

Applying for an online car financing has become the most effective way to get a fast and easy car loan in Canada. People prefer because of its nature of fast approval, no obligation quote, less personal effort and a great time saver. As it provides you to compare variety of offers available in the market while selecting the best one out of it. Your satisfaction is guaranteed because you are provided to take benefit of different options for taking an online car loan approved in minutes without paying any application fees or down payments on your new or used car loan.

As you know world has been changed into an instant solutions for all kinds of instant problems, it may be a simple short message, specific inquiry or a news that turns into a solid instant transaction, simple application to get an instant car loan approvals are no more an exception. Car financing Canada is an indirect form of short term secured loans its given while keeping your car as collateral. Moreover, due to hike in the online auto market competitiveness you are likely to get a quick approval for your automobile purchase any time with in 24 hours with your loan amount at an affordable rate.

Your credit profile doesn’t stop you, either you have a bad credit or even if you are a first time car buyer, you can obtain a car loan Canada through online car loan lenders. Online lenders work with various financing companies to offer you instant car loans for all kind of credit types and situations you may have. These car loans Canada lenders networks also consist of sub prime lenders who offers comparatively lower rates as compared to the general market rates to people with less than perfect credit. Moreover, these lenders also offer loan refinancing to facilitate those people who are already in the trap of paying higher interest rate due to their past bad credit on their existing car loans at a lower interest rate without any unnecessary documentation and fees within shortest possible time.

To get an instant car loan Canada the only one thing you require and that’s an Internet access. Online car loan lenders have made several loan portals and websites, to offer their services with fast and easy to fill applications that you can submit with just a one click. Your application may take few minutes to get being processed on a secure server without any possibility of your personal profile leakage and a threat like identity theft or else. After submitting your application, you may then contacted by a person to help you if required for the further proceedings. Then the processed information is transferred to the lender’s network that is willing to offer you car loan in Canada. It’s a very quick process and when all it works out, lenders are then allowed to compete against each other to offer the best rates and amortization out of the various quotes provided by lenders. This way online car loans have been proved to be a very helpful online tool in providing low interest rates as compared to current market rates which ultimately helps you in saving of thousands of dollars in interest and monthly payments towards your liabilities.

Don’t hesitate to apply your good or bad credit car loan Canada for your new or used car financing of your choice because you will be dealing with a company or a team of car loan specialist offering a wide range of auto financing that suits your needs and budget, that will help you to get loan based upon your credit rating and financial earnings.


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!

free credit report canada and free credit score canada

How To Get A Personal Loan With Bad Credit In Canada But Where Are The Bad Credit Lenders

A bad credit loan is a loan given to a person or a business with a poor credit rating and getting a loan with bad credit history is not an easy task. Most of the banks and big financial institutions will not give you a loan if you have a poor credit history.

Are you looking for a loan, but you have bad credit? There are thousands of Canadians who have bad credit and are desperately looking for a bad credit loan for outstanding bills, debt consolidation, home improvements, a new or a used car financing, auto repair, medical expenses, vacations, or even a credit card. When ever they search online what theses people will be getting; millions of search results, although consumers were asking for a bad credit personal loan in Canada but resulting company wanted to offer them a short term cash advance or a payday loan even from US region too. Its only happening because in online environment most people feel comfortable in finding the way to get rid of there financial problems and the today’s major problem which most of the people are facing is shortage of money, this doesn’t mean that our income have been lowered but we have increased our expenditures. This kind of consumer’s over spending behavior have been attracting the financial companies to get the credit, and payday loan is the most attractive business that benefit both the borrowers and lenders, because borrower wants to solve his or her cash emergency situation without going into delaying process of credit history check and lender wants more returns in lesser time. That’s why there are thousand of such companies which are competing for your business with each other to be up in the search results not even in the search engines but using all the available online outlets such as social media, blogs, forums, directories and lot more.

Even if you’re desperate for money, you need to spend few hours to research potential companies you’re going to use to borrow money from those should be registered, familiar, and credible. Although a phrase like “I need a bad credit personal loan that is not a payday loan” will not help you in finding a personal loan you are looking for, then where are the bad credit lenders, who offers longer term, low rates high risk personal loans. A lot of people in such situation been thinking there are not many options available online. This can be true in some respect, since a lot of banks only deal with people who have “A” class credit rating. On the other hand, there are a lot of bad credit lenders available today but you have to find and search for them by using both online and offline resources like:

  • Your own bank: Visit your bank or financial institute you are already working and have established relationship and ask them if they have any information about those companies offering poor or bad credit personal loan.
  • Directories: you can use your local business and yellow pages directories for finding such high risk lenders that would be available free of cost at your chamber of commerce or community centers. DMoz.org is the best directory available online.
  • Social Lending: Canadian Person-to-person lending or peer to peer lending through these future P2P lenders platforms like CommunityLend, IOU Central, Prosper.com, Zopa and other have been a biggest hope among borrowers that get better rates by turning personal loans into investment opportunities for the lenders offering p2p loans Canada, its like a win win situation for the both. A borrower can apply for a loan in the amount of $1,000 to $25,000 for a term up to 3 years or so in general.

Lendit Financial offers unsecured bad credit loan in 3 sizes ranging from $2,300 to $5,500 for the term of 3 to 5 year. It’s an investment loan that is specially designed to fix bad credit, have declared bankruptcy, under consumer proposal, also works for a person without any credit profile, like first time borrower and or new immigrant. If you want to enhance your financial savings and re-establish your credit score then you should apply for a Lendit GIC Loan today – Its free to apply, safe and secure!

Beside there are lots of websites offering bad credit lenders resources through their membership programs. You have to register with them first to find there hidden resources that may include self-help personal finance resources, person to person interaction, bankruptcy and credit repair kits, solutions, bad credit lenders database and other useful resources, assistance and tools. These kinds of membership sites charge a fee that may be useful to get benefits of future updates for the lifetime without payment. CreditAxis is one of such company offering secured and unsecured bad credit personal loan and resources through its resources and directory contains bad credit lenders database, although its an American based company but have extended its financial assistance in UK and Canadian market as well. On the other hand, for all your secured personal loans with bad credit you may contact BHM Financial, its Canadian based company and offering a bad credit personal loan through a security of your automobile also called a title loan for a term of 2 years and longer.

The purpose of this post was to provide information on the subject of bad credit loan availability in Canada and asking other borrowers and consumers to provide reviews about those high risk lenders they have been known or dealt with and doesn’t offer any recommendations for such companies discussed above.


How To Reduce Credit Card Debt?

Credit Card Debt Reduction Requires Persistence!

Continue rising in liability needs a continue and persistence approach to drop it down where we can afford or better handle it, anyhow mounting credit card debt is a problem for many Canadians beside United States, United Kingdom, Australia and other countries of the world these days. If you find that you’ve been in a habit of using your credit card to much that increase your spending, it makes sense to look into how to limit your exposure to credit card debt, and the stress that comes along with it.  Here are some suggestions that may help you in reducing your overspending:

  • Limit your cash advances.
  • Use your grace period of your credit card payment in your favor by knowing and managing it.
  • Try to pay off credit card debt in full monthly payment to avoid high interest costs.
  • Limit your credit card usage for a specified period of time to help you reduce credit card debt.
  • Make it your habit to spend only what you can pay off in a given month.
  • Make your dollar worth more by signing up for loyalty programs.
  • Make paying off debt a priority in your financial plan.
  • If you still find that you cannot pay down your credit card debt to your satisfaction, you may wish to consider a mortgage strategy to consolidate credit card debt at a lower interest rate. Debt consolidation is an effective way of credit card debt reduction i.e. consolidating debt from high APR credit cards to a low APR one. So this credit card debt reduction measure works by reducing the rate at which your credit card debt grows.

Besides these credit card debt reduction measures, there are other methods too for credit card debt reduction like you may ask indirectly to any debt professional for the professional guideline or directly go to your current credit card supplier for help in credit card debt reduction i.e. by lowering the APR. It might work out for you because it does for some people.

Getting into debt is simple but getting out of it really a difficult task. This holds good for any kind of debt, credit card debt reduction needs planning and discipline in the way you spend money. Moreover, your credit card is a facility primarily because it helps you to not to carry cash that could not to be fallen, stolen or theft by the others and you, yourself cant do what is right for you.


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