I am Canadian, how do I clean up my credit rating.?

Answers:0   |   LastUpdateAt:2012-11-02 16:48:02  

Asked at 2012-09-25 02:32:04
I was very sick and the payments were late , but they have paid on time for the last year . I just applied for a car loan and was rejected for " bankruptcy" . I've never gone out of business , why would they show on my credit score if you never went bankrupt ? Can decide only bad because payments for a year that went bankrupt ?
Answer1kjhAnswered at 2012-11-02 16:47:16
You really need to get a copy of your credit reports. Since you have been turned down for credit you should be able to get free copies. Contact TransUnion and Equifax. They can tell you what you need to do to correct any mistakes on your file. You could also put a note on their explaining what happened (illness) - it might help, and it might not. What might have happened is that you had an account go "bad or noncollectable" and the person arranging the financing didn't explain it properly.

Get your credit reports first. Everyone should review their credit reports from time to time.
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