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2010
Credit Score in Canada?
Could someone please give me some advise? I claimed bankruptcy and was discharged in December 2005. My credit score is currently at 620 and was wondering after the 6 year period when it falls off my report in Canada will my credit score see a good increase instantly? I have since got a secured credit card from C1 and a RRSP loan from my bank, both of which are considered revolving credit and have kept them 100% up to date. I know I must pay the price for claiming bankruptcy but it seems it is taking so long to improve my score…any help would be so welcomed!
Yes, your score will increase when the bankruptcy drops off – assuming there are no other missed payments. I suspect you’re doing well with them because 620 with a recent bankruptcy is actually pretty amazing.
Scores are also based on types of credit, so to further help your credit, you might take out an installment loan, lock it in an RRSP or GIC and pay it off over 2 years.
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