Difference between revisions of "Credit Reports and Credit Ratings"
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== Client problems== | == Client problems== | ||
* | * Client wants to know how a bad credit rating affects their ability to get credit.
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* Client asks about the effect of using a remedy under the [http://canlii.ca/t/7vcz ''Bankruptcy and Insolvency Act''], including going bankrupt, making a proposal, or getting a consolidation order on one’s credit rating.
| * Client asks about the effect of using a remedy under the [http://canlii.ca/t/7vcz ''Bankruptcy and Insolvency Act''], including going bankrupt, making a proposal, or getting a consolidation order on one’s credit rating.
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* Client has been turned down for credit and says the credit report is unfair or incorrect.
| * Client has been turned down for credit and says the credit report is unfair or incorrect.
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* Client asks how to get access to their credit file at the credit bureau.
| * Client asks how to get access to their credit file at the credit bureau.
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== Summary of the law== | == Summary of the law== | ||
[[File:Consumer_Law_and_Debt_-_Credit_Reports_and_Credit_Ratings.jpg|thumb|275px|right| link=| <span style="font-size:50%;">Image via www.istockphoto.com</span>]] | [[File:Consumer_Law_and_Debt_-_Credit_Reports_and_Credit_Ratings.jpg|thumb|275px|right| link=| <span style="font-size:50%;">Image via www.istockphoto.com</span>]] | ||