Resources

Collection are debts that have been disputed or unpaid. Could be a cell company or gym or one of a thousand things. The debt that is reported is usually pretty accurate but the balance owing is the tougher part. All sorts of places do all sorts of calculations and it can seem like the Wild West. But by and large […]

Credit rating is like your financial passport. Doing standard things, like paying on time, not going over the credit limit, all help. Having at least three trade lines so your file doesn’t appear “thin.” A good credit score can lower the cost of loans, cards, lines and mortgages. The cost saving is dramatic specially if you extrapolate over a long […]

Three years back we advised a client. She was in a common law relationship. He had his name added to the title of the house. He then ran up a huge amount of joint credit card debt. He then left, he ran up debt and wanted half the equity in the house. The lady bore the whole thing. What was […]

The utmost importance. Bar none. We have found that the more we know, the better we can help. We don’t judge on the WHY, we focus on HOW it can get fixed. A real second chance. We get dramatic things done. All the time. Every week. Much of that is from the clients POV. We try to quickly distill down […]