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4 Pillars Articles

is your credit rating that important?

Should I use a consumer proposal or preserve my credit rating?

By Paul Murphy

20-year financial veteran Paul Murphy breaks down a common question from our clients: should you use things like consumer proposals bankruptcy or debt consolidation or preserve your credit score? I recently sat down with David Moffatt from 4 Pillars’ Halifax office and Ryan Brown from 4 Pillars’ Muskoka & Parry Sound offices on our 4 Pillars’ podcast Beating the Debt Game. […]

how your credit score is calculated

🇨🇦 How is your credit score calculated in Canada?

By Paul Murphy

20-year financial veteran Paul Murphy breaks down how the major credit bureaus work, showing how your credit score is calculated in Canada.  Five major factors go into how your credit score is calculated in Canada. 1. Your payment history 2 . Amount of utilization 3. Length of time of credit history 4. New credit 5. Maturity […]

4 Pillars urges House of Commons Finance Committee

By Reg Rocha

4 Pillars urges House of Commons Finance Committee to review Canada’s insolvency legislation: Be more debtor-centered. Reg Rocha December 4, 2020 I have written on many occasions about the rising levels of household debt in Canada. As a nation, we hold one of the highest consumer debt levels in the G20. Just prior to the […]

4 Pillars’ Letter to Hon. Wayne Easter FINA Committee

By Reg Rocha

  On July 7, the House of Commons FINA Committee called the Superintendent of Bankruptcy and Commissioner of the Financial Consumer Agency of Canada as witnesses to discuss their responses to the COVID-19 pandemic. Their testimonies revealed the extent to which key Federal regulators know (and don’t know) about what’s to come for Canadians during […]


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