I just want to let you all know that I am with Credit Counselling, non profit, out of Toronto, I have been with them for over 18 months now, and it has helped big time. I was initially applying for the Police here in Ontario and they are a little more sticky on the credit thing than the CF is. If you have bad credit, regardless of who is after you, you should do regular credit checks through Equifax and Trans Union every 6 months, it's the same info the CF looks at. If you Have R9's on there, get to a credit counselling agency ASAP. It can then be changed from R9...Bad debt, unable to locate, too R7 payments made through credit counselling or similar arrangement. It's well worth it. It also, shows you are taking charge of your debt.
In my situation, I had a kid, the wife went on Mat leave and was making squat on Mat Benefits, we had to move from our apartment in Scarborough, all the way out to belleville, get another job, living in a smaller apartment and it goes on and on. To make it short, I was stuck with bills, and less income.It was manageable for many years, then i went to not being able to make payments. So, I had to do it. You should be alright if you have the proper letters. I am getting one from my credit counselling agency just stating that I am making regular payments and that my debt is being lowered.