I Asked 20 Landlords If No Credit Check Apartments Exist. Here’s What They Said.
Of the landlords who clearly answered the question, 11 out of 20 said they required a credit check as part of the application process. That works out to 55%.
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I Tested 2 Prepaid Visa Gift Cards To Figure Out Which One Sucks Less
The activation fees are absurd. On my $20 Vanilla card, the $7.95 fee was nearly 40% of the card’s value. That’s objectively ridiculous. Then add in the restrictions and the cards smell even more like poo.
Survey: Most Canadian Men Are More Comfortable Talking About Sex Than Their Credit Score
I often say that money is one of the last taboos in Canada. Unsurprisingly, a survey we recently conducted at...
I Tested EQ vs. Neo for a Week: One Card Paid 38% More Cash Back
EQ Bank would have paid me $1.85 in cash back for my total one week spend. That still doesn't beat the $2.55 I got from Neo for spending less overall, but more on groceries and gas.
I Used My Birthday To Earn $100 Worth Of Free Stuff From In-Store Retailers in Toronto: Here Is How I Did It
After completing my birthday reward journey, I collected over $100 worth of free goodies. The highest value items were from Denny’s ($14.59) and Freshii ($13.49). The lowest value item was the cookie from Subway ($1.35).
I Interviewed 3 Canadians Who Filed For Bankruptcy To Figure Out How They Rebuilt Their Credit
A first-time bankruptcy stays on your credit report for 6 to 7 years, but you can start rebuilding your credit much sooner than that. The Canadians I spoke to got secured loans or credit cards with low limits and rebuilt within a few years.
I Interviewed 3 Canadians Who Went Bankrupt & Here Are The Credit Cards They Used to Rebuild Their Credit
Thomas used the Capital One Guaranteed Secured Mastercard with a $300 limit while still in active bankruptcy. T. Morrison opened a GIC-secured credit card through Meridian immediately after discharge. And Robert Jenkins got the Capital One after discharge.
I Asked 3 Mortgage Brokers How to Buy a House With a Bad Credit History in Canada
B lenders accept credit scores as low as 500. But you’ll likely need to make at least a 20% down payment, and your housing costs plus debt payments should not be more than 50% of your income.
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