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If your credit is bad, you will not be able to borrow any money. Even co-signing for someone could affect your credit; it will remain the records in the Equifax Consumer Services Canada.
You will have to fix your credit. First, obtain a credit report and find the reasons. If the amounts are small, try and pay-off all the debts. This is the most effective way of improving your credit. If you are unable to pay in full, then you could consider filing a consumer proposal or a debt management plan. Once you have settled your old debt, you will have to update your credit report.
If you are experiencing serious financial problems, we encourage you to contact us as soon as possible.
Call 416-264-1272
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