My Consumer Proposal has finally dropped off my credit report

Proposal dropped off my report today along with all the closed accounts that I had.

Started the proposal in 2020 and paid if off at the end of 2024.

Credit score shot up like a rocket as soon as the closed accounts and the "derogitory mark" were removed this week. Now sitting in the mid 700s from the mid 400s in 2020.

Anyone who is scared that their life is over because you're insolvent: don't. Tough it out. You'll be just fine.

Posted Jul 10, 2026, 7:24 PM UTC

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