Debt Relief Experts
How To Get A Mortgage After Bankruptcy
Learn how to get a mortgage after bankruptcy in Canada. Discover credit rebuilding strategies, down payment tips, and mortgage options to help you become a homeowner again.
DIY Credit Repair Strategies and Free Credit Rebuilding Course
You don’t need to pay a credit repair company or service to fix your credit report or rebuild bad credit. It is possible to repair your credit score on your own, even if you file a bankruptcy or consumer proposal.
You can begin the process of rebuilding bad credit with the steps and tips provided by our experts in our new Credit Repair Course.
TRY OUR FREE CREDIT REPAIR COURSE
At Hoyes Michalos we’re here to help. We know rebuilding credit is a top concern for our clients. That’s why we built an entire video course to help you understand how credit scoring works and how you can rebuild. The course is entirely free, with short, easy-to-digest videos. Doug Hoyes provides practical information on:
- how to manage your credit score
- what kinds of credit cards to get when rebuilding credit
- how to get a free copy of your credit report and fix mistakes on your report
- how to establish new credit accounts, and so much more!
Want to learn more about credit repair? Read our blog posts or enroll in our Free Credit Rebuilding Course.
What Are Credit Bureaus in Canada & How Do They Work?
You're probably familiar with Canada's credit bureaus already. After all, they provide you with your credit report. But how do credit bureaus collect your information and what more should you know about credit reporting agencies? Scott Schaefer explains in this post.
What Are The Common Factors That Affect A Credit Score?
In this comprehensive post, learn how your credit score is impacted, what brings a credit score up and down, and get the facts on common credit score myths. We also outline what lenders consider when approving new credit applications.
Credit Cards After Bankruptcy: What You Need to Know
We know it can be hard to go without a credit card when you file a bankruptcy or consumer proposal. We explain whether it's a good idea to get a credit card during your filing or immediately after and if you do get a card, which credit card issuers are best to start with.
How Long Does Negative Information Affect Your Credit Report?
A credit report outlines your unique financial history. Find out what information may be damaging to your report, how long it affects your credit and how to make improvements to your credit moving forward.
What is Meant by Credit History and How Do You Influence It?
Your credit history directly affects your credit score and report. Our guide explains what you need to know about credit history, how it affects your ability to borrow and how to manage it.
How To Correct Errors On Your Credit Report
It's non uncommon for credit reporting companies to make mistakes on credit reports. We explain why you should check your credit report yearly, common mistakes to look out for, and how to fix them.
Does Owing Taxes Affect Your Credit Score in Canada?
Does the Canada Revenue Agency report unpaid taxes on your credit report? This guide covers how taxes and other factors affect your credit score and what you can do about it.
Is a Bad Credit Score Good for You?
What is the significance of a good credit score? Is having a low score really bad? Our experts explain credit scores, when a poor score may be okay and the downfalls of credit repair companies.
What Information Is On Your Credit Report?
Credit reports carry a lot of information about the money you borrow, how you make payments and even some personal information. Find out what's on your report and how to read a typical credit report.
Free Credit Score Comes With A Catch
It's possible to sign up for free credit reports with online lending platforms. Are these free credit scores accurate? Are they worth it? What's the real cost? Doug Hoyes explains.
How to Repair and Rebuild Credit
Repairing your credit report after insolvency or small financial mistakes can be difficult if you don’t have the right tools. We’ll explain 5 steps you need to follow to successfully repair your credit on your own.
Forget Credit Score. Did You Know You Have A Bankruptcy Score?
A bankruptcy score is a scoring system used by lenders to rank the potential of bankruptcy in your future. Doug Hoyes explains exactly what a bankruptcy score is and what it means for your credit.
Credit Repair Loan or ‘Savings’ Loans. Are They Worth It?
Are you considering a credit repair or savings loan to improve your credit? In this blog we look at a real example and explore why credit repair programs can be too costly for the benefits they provide.
How To Check Your Credit Report for Free
Do you check your credit report on an annual basis? We believe it’s an important and healthy financial practise. Learn about why and how to check your report, as well as how to ensure there are no errors.
Why Our Credit Reporting System Is Broken
Credit reports and scores are an important aspect required for big financial decisions. But are our credit reporting systems in place to help you or your potential lender? Doug Hoyes explains here.
A Clean Credit Report Does Not Equal A Good Credit Report
Do you think you have a good credit rating despite struggling with debt? Find out why having a clean credit report does not mean you have good one and how the credit reporting system works for lenders.
7 Facts About Your Credit Rating (What’s in your Credit Score?)
It's important to understand what impacts your credit score if you are trying to rebuild or repair a low score. We explore 7 important facts you should know and what they mean.
How Long Does It Take To Get My Credit Back After Bankruptcy or Proposal?
Completing a bankruptcy or consumer proposal offers a fresh financial start. Doug Hoyes explains how you can rebuild your credit following insolvency and how long rebuilding credit after insolvency can take.