Finance FAQs

How to restore your credit rating

First check your credit score. If you have been a victim of Identity theft this can be a real nightmare. You can obtain your credit report for free from the two reporting agencies, Equifax Canada and Transunion. You can either go online and order one or call them and ask them to send you a free report.

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After Fixing Your Credit Don't Wait To Borrow

Once you have dealt with all the negative on your credit report don't wait to re-establish your credit. People end up with all of their debt and negative off their credit report but end up with no active reporting on their credit...

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Are Long Term Car Loans a Financial Time Bomb?

More New car buyers are opting for the 84-96 month loan and experts are wondering if this will be a financial time bomb. Many of you will remember when ads touted 48-month loans; today the biggest growth is coming in loans lasting up to 84 or 96 months...

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Financial Tips for New Canadians

Besides the challenge of settling into a new house and culture, immigrants to Canada face a number of problems when it comes to getting their financial lives in order. But theres one thing Canadians all have in common: the sooner we start working on our credit history, the better...

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Rebuilding Bad Credit

Many people make mistakes when it comes to credit however you can rebuild your credit and become a borrower in good standing. CreditHelpFinancial and the staff can answer your questions on how to accomplish this...

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Where to Shop for an Auto Loan

Walking into a dealership with a Pre-approval in your hand gives you bargaining power and flexibility. It also helps you avoid the common sales tactic of mixing up the vehicle price with financing costs...

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What does your Credit Rating mean?

There are several factors that most lenders consider when looking at a persons credit for a bad credit auto loan or lease. These factors vary in importance from lender to lender. These factors include...

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Credit score Truth and Myths

Lenders use a number of facts to make credit decisions, including your credit score. Lenders look at information such as the amount of debt you can reasonably handle given your income...

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GAP Insurance - Do I Need It?

First off, what is it exactly that gap insurance covers? That's an easy question. Gap insurance covers the difference in value between what you owe on the vehicle, and what the vehicle loan is worth...

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Buy Here Pay Here Financing Basics

At Credithelpfinancial Buy Here Pay financing or lease to own means that you arrange a loan and make payments here at the dealership. You purchase the car through what's referred to as in-house financing versus through a third party, such as a bank...

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