Everyone Has Money Problems
When you are facing collection agencies, credit turn downs, inaccurate credit bureau information, bankruptcy, there are many services which can help.

Start by obtaining your credit bureau report so you can see exactly what is being said about you.

A bad credit bureau report not only affects credit, it can hurt employment, getting an apartment and many other areas of day to day life.

You need to face up to your problems and deal with them. They will not go away by themselves.

Credit Reports
Your credit rating. How to check it and correct it. Your rights on CanLaw

There are two types of credit rating


1. The old R number rating. creditreport.htm Get Your Current Credit Report on CanLaw Basic Credit Report. Where to get it, what it is

2. FICO scores. Credit grantors rely on your FICO score to assess your credit worthiness. A poor score means poor credit and turn downs
FICO CREDIT SCORING EXPLAINED

1. fico.htm WHAT IS YOUR FICO SCORE?

2. fico2.htm FICO Beacon and Emperica Credit Scoring What is your credit score and how is it calculated?

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   Credit Reporting Law
   

3. creditreportlaw.htm Ontario Consumer Reporting Act

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   CollectionsCollection Agencies and you
   

4. credit.htm What to do when the collection agency calls

5. collect.htm Collect your money. The Collection Agencies Act, Ontario is listed on CanLaw

6. collectionagencies.htm CanLaw Collection Agencies and you

7. collections.htm

8. collector-call-script.html

9. creditors.PDF What creditors can do to collect from you Alberta brochure

bankruptcy

Credit Counselling services etcCredit Counselling Services across Canada


1. ccs.htm Ontario Association of Credit Counselling Services on CanLaw

2. counselling warning.htm Credit Counselling Services across Canada on CanLaw

3. creditcounsellingdirectory.htm

4. counselling.htm Credit Problems?Credit problems warning signs
   

5. indexmoney.htm Credit problems ruining your life?

6. warningsigns.htm Credit problems warning signs

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7. corpconsumerbureau.htm Consumer Affairs Offices in Canada

8. identitytheft.htm Identity Theft and Your Credit Report Your rights on CanLaw

9. Can you afford that Real Estate? Software lets you figure it out on CanLaw

10. owebacktaxes.htm

11. toc-credit.htm