CREDIT COUNSELLING FOR OTTAWA, KINGSTON, AND EASTERN ONTARIO
It’s important to understand your financial situation before it gets out of hand. We offer credit counselling in Ottawa, Kingston, Cornwall, Smiths Falls, Pembroke, Kanata, and Brockville. By attending a free, initial, no-obligation consultation, you will learn about your options and get to know our trustees and their capabilities.
WHEN SHOULD YOU SEEK CREDIT COUNSELLING?
WHY A GOOD CREDIT SCORE IS IMPORTANT
REBUILDING YOUR CREDIT SCORE
One of the best ways to rebuild good credit is to apply for a credit card and make timely payments. If your financial issues keep you from obtaining a regular card, then you can apply for a secured credit card that requires a deposit to the issuer – usually for the same amount as the card’s limit. Payments are reported the same way to credit agencies, which can improve your history.
Repairing credit usually takes about six to seven years, whether you have had late payments, repossessions, foreclosures, or other financial trouble. An adverse action letter, if you receive one, can indicate what affected your credit score. But simply rehabilitating your spending and payment habits through credit counselling to correct these issues will help you improve your credit history.
CREDIT COUNSELLING IN OTTAWA, KINGSTON & ACROSS EASTERN ONTARIO
At D. & A. MacLeod Company Ltd., we can review your financial situation and provide recommendations for the next steps to get your life back on track.
We can meet you in any one of our convenient locations to answer questions you may have about credit counselling in Ottawa, Kingston, Kanata, Brockville, Smiths Falls, Pembroke, Cornwall or elsewhere in Eastern Ontario with our virtual appointments.
MORE CREDIT CARD ADVICE