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futureJD1996

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  1. Yeah I actually did file a complaint once I got approved with Scotia with my current advisor, he agreed that a lot of what the other advisor said and did was quite inappropriate and that he actually made a handful of errors in the application and adjudication process. He called me and apologized but other than that I don't think I'll escalate it. Just wouldn't recommend him to anyone I know
  2. Report post Posted 2 minutes ago I've paid off all of my credit card debt and resolved all collections, my credit score has gone up 26 points and I have been approved for a PSLoC at ScotiaBank and ATB. Thanks
  3. Hi guys! To update you, I've paid off all of my credit card debt and resolved all collections, my credit score has gone up 26 points and I have been approved for a PSLoC at ScotiaBank and ATB. I think my financial advisors made a huge impact, both were actually great but I will probably go with Scotia as I was approved for 125K there and 90K at ATB. I'm getting a lot of direct messages from people in similar situations so if you guys want the names and contact info of both individuals at Scotia and ATB just let me know and I'd be happy to pass them along!
  4. Yeah I have an appointment at RBC and ATB today, hoping for the best. I'll definitely speak to financial aid if I don't have good results by the end of this month. Thanks so much!
  5. Hi guys. So, I've been denied for the Scotia PSLoC as well as TD. I have poor credit, my score is around 490. I was really irresponsible with credit in my early 20's, and it's obviously catching up to me now. I applied to both Scotia and TD with a strong co-signer ($110,000 income, 750 credit score), although the gentleman I spoke to at Scotia wasn't helpful at all and actually quite rude in outlining any other options I may have. I'm getting to the point where I think I am out of options and might have to take the year off to work on my credit. Has anyone ever been in my position? Can anyone shed some light as to what my options might be (if any)? I will try to exhaust all options in terms of going to all banks that offer a PSLoC, but if realistically I cannot get approved I definitely understand why. I asked the Scotia rep if I could request a lesser amount and answered with "I don't know, figure it out and get back to me," so I'm not quite sure if that's an option that would help my case. I am honestly willing to go down to $60,000. Looking forward to any insight/advice you guys can offer.
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