Bad credit isn't always a reflection on your ability and willingness to pay debt. Perhaps you had a period of illness, or unfortunate circumstances.
If you've been turned down for an "A" even a "B" rated mortgage, you may still have options. Caroline is a professional mortgage broker who is equipped to take your mortgage application to alternative lenders, and sometimes even get you an "A" rate.
Caroline will work with you to problem-solve on how to:
Credit repair is the first step in starting over and fixing your credit, regardless of bad credit issues, bankruptcy, low credit scores and even foreclosure. When you have bad credit, you usually don’t get the best mortgage rates available to you.
Unpaid bills, collection companies, and growing debts can cause stress, worry, and headaches if not dealt with appropriately.
If you have a dispute with a creditor, it is a good idea to register that dispute via the credit bureaus. It is easy to do. Just follow the instructions on their websites (Canadian):
You could even put the amount ‘in trust’ with a lawyer to show lenders that you are willing to pay the amount in dispute if you lose.
Get started today! Call Caroline to talk about your credit repair strategy or to apply for a mortgage with a lender who offers “B” or “Private” lending programs designed for people like you.
If you own a home now, you may be able to use the equity in your home to begin paying off your debts and repairing your credit. Let’s talk today. 1-800-757-0412.
Lenders usually want to see that you have re-established credit lines. Caroline will take your application for a new credit line to the appropriate lender. You may also wish to obtain a pre-paid credit card and be sure to manage it impeccably. These are also termed "Secured Credit Card" because you give the issuer an amount of money when you apply (Example $500).
Apply for a Secured Credit Card Today- just click here!
Ask Caroline to assist you, she's just a click or call away!