If I file a proposal or declare bankruptcy, what happens to my credit rating?


When a bankruptcy or proposal is filed the Credit bureaus are notified.  A consumer proposal will be on your credit record for 3 years from completion of the Proposal.  After being discharged from bankruptcy, the information about a first bankruptcy is typically removed from your credit report after six or seven years. Keep in mind that each province is different and will have different variations of the rules. Bear in mind that your name becomes part of public bankruptcy and insolvency records when you file a proposal or declare bankruptcy. These records are available to anyone that makes a request for them.



If you are overwhelmed with a financial crisis, J.P. Graci & Associates Ltd can help! Call us now at 519-753-7361.



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