Financial Calculators:
Links
- How Much Do You Qualify For- https://mortgagemenow.ca/
- Mortgage Payment Calculator - https://www.cmhc-schl.gc.ca/en/co/buho/buho_021.cfm
- Mortgage Affordability Calculator - https://www.cmhc-schl.gc.ca/en/co/buho/buho_020.cfm
- Debt Service Calculator - https://www.cmhc-schl.gc.ca/en/co/buho/buho_024.cfm
Resources (serving Headwaters, Dufferin County and Orangeville area):
First time home buyers' Tax Credit - HBTC
Mortgage -Fixed vs Variable Comparison Calculator
Real Estate Lawyer - Wesley Jackson
Real Estate Lawyer -Joost K. Heersche B.Sc., LL.B., M.B.A.
Real Estate Agent - Jon Heath
Real Estate Agent -Laurie Drury
Real Estate Agent - "Linda Horne"
Property Inspector - Pillar to Post- Jeffrey McInnes
Fuel Oil - Birds Fuels
Credit Reports:
How to get a free CREDIT REPORT on yourself And how to fix it!
To order your free credit report by phone, call 1-800-465-7166
To order your free credit report by mail or fax, please fill in this Canadian Credit Report Request Form and forward to National Consumer Relations using the address or fax number listed on the form.
How to Correct an Inaccuracy on your file
Complete and submit a Consumer Credit Report Update Form ( http://www.consumer.equifax.ca/dispute-ca/canada-cr-update-form/en_ca ) to Equifax.
Notes
For Accuracy Update
Equifax will review any new details you provide and compare it to the information in our files. If our initial review does not resolve the problem, we will contact the source of the information to verify its accuracy. If the source informs us that the information is incorrect or incomplete, they will send Equifax updated information and we will change our file accordingly. If the source confirms that the information is correct, we will not make any change to our file. In either case, you may add a statement to our file explaining any concerns you have. Equifax will include your statement on all future credit reports we prepare if it contains 400 characters or less.
If Equifax changes our file in response to your request, we will automatically send you an updated credit report to show you the changes. At your request, we will also send an updated credit report to any of our customers who received one within 60 days before the change was made.
How long does Equifax retain credit information
CREDIT INQUIRIES TO THE FILE
An Inquiry made by a Creditor will automatically purge three (3) years from the inquiry date. The system will keep a minimum of five (5) inquiries.
CREDIT HISTORY AND BANKING INFORMATION
A credit transaction will automatically purge from the system six (6) years from the last activity date. All banking information (checking or saving account) will automatically purge from the system six (6) years from the registration date.
VOLUNTARY DEPOSIT - ORDERLY PAYMENT OF DEBTS, CREDIT COUNSELING
When voluntary deposit - OPD - credit counseling is paid, it will automatically purge from the system three (3) years from the date paid.
REGISTERED CONSUMER PROPOSAL
When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid.
BANKRUPTCY
A bankruptcy automatically purges six (6) years from the discharge date in the case of a single bankruptcy. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating ?included in bankruptcy? and will purge six (6) years from the last activity date.
JUDGMENTS, SEIZURE OF MOVABLE/IMMOVABLE, GARNISHMENT OF WAGES
The above will automatically purge from the system six (6) years from the date filed.
COLLECTION ACCOUNTS
A collection account under public records will automatically purge from the system six (6) years from the last activity date.
SECURED LOANS
A secured loan will automatically purge from the system six (6) years from the date filed. (Exception: P.E.I. Public Records: seven (7) to ten (10) years.)