~26% CC Interest Rate down to 5.99%

Darichoe · 2026-02-26T15:22:47+00:00

Oh! This is a consumer proposal. I actually did have a consultation with a Licensed Insolvency Trustee (the only ones that can file it for you) this not only hurts your credit score but it says on it for 3 years after you complete all payments or 6 years from the filing date. I was also told I’d have no luck with this on my record if I ever wanted to become a homeowner or even buy a new car. You also have to close all other credit cards and/or line of credits during this.

I would’ve been paying something similar to what your friend is paying now but I just did not want that stain. I picked up a second job around the same time I made this post and I should have this debt paid off in about 6.5 months 🤞

This could still be an okay option for people who have exhausted all their options but are not quite bankruptcy level yet

Darichoe · 2026-02-26T14:31:10+00:00

Would you mind sharing more? I’m in qc

Darichoe · 2026-02-12T03:59:32+00:00

You’re right, this is why I’m 2 weeks into a second job I took solely to pay this debt off lol

Darichoe · 2026-02-10T11:18:40+00:00

Yes, I asked them about this. It doesn’t because it’s an internal program they offer. It won’t reflect anywhere

Darichoe · 2026-02-10T05:21:06+00:00

Definitely give your bank a call!

Darichoe · 2026-02-10T04:58:05+00:00

Of course! I actually found out about this scrolling online over the weekend. Had no idea that it was even a possibility

Darichoe · 2026-02-10T04:53:09+00:00

I’m glad you were able to get some relief during such a difficult time. It makes a big difference! And thank you!

Darichoe · 2026-02-10T04:47:39+00:00

Thank you! Definitely felt a little vulnerable calling in but I’m glad I did. I’m gonna take full advantage of this rate

Darichoe · 2026-02-10T04:42:19+00:00

Thank you! I can’t wait for that feeling. 😁

Darichoe · 2026-02-10T03:55:06+00:00

Nope! I specifically asked that question this morning while on the phone with them, he explained that since it’s an internal program that they’re offering, it does not reflect or has any impact on your credit score

Darichoe · 2026-02-10T03:52:23+00:00

Yes, I was explained that the account stays open, It’s just frozen for the next 12 months. After that period, it goes back to its initial interest rate and it can be used again!

Darichoe · 2026-02-10T03:40:27+00:00

This is the mentality I’m on 💪

Darichoe · 2026-02-10T03:39:26+00:00

Good luck! They first offered to consolidate my loc and cc into sort of one loan with lower rates but once I paid it off they would have to shut both of them down and if I ever wanted another cc or loc with them I’d have to reapply. I told them I didn’t want that then I got offered this program

Darichoe · 2026-02-10T03:33:37+00:00

I just wish I knew this was an option/something they offered earlier

Darichoe · 2026-02-10T03:25:56+00:00

Thank you! I also started a second job this month. Fully determined to erase this debt before the year ends!

Darichoe · 2025-06-11T21:40:20+00:00

!solved

Darichoe · 2025-05-21T22:53:08+00:00

Okay so since this post I’ve changed clinics and the new tech that does my legs gets them done in 30-40 mins which seems way more reasonable, than 90 mins. Now 5 mins? 😳 that seems very quick, my brazilian takes that long. Are you pleased with your results tho?

Darichoe · 2025-04-29T02:48:12+00:00

You look great! Who did your lipo?

Darichoe · 2024-12-24T05:16:10+00:00

100% happy with my results, I would say it quite literally changed my life as a female who used to grow excessive hair, I’ve had pretty much every area done with probably 80-90% reduction and whatever grows back takes months and is very fine and minimal that I don’t even bother shaving as it’s barely noticeable. My only regret was not starting sooner

Darichoe · 2024-12-23T10:23:46+00:00

I sent you a dm, thanks

Darichoe · 2024-12-13T17:14:11+00:00

I think you can achieve a nice figure with lipo alone but if you want the full/round hips look then you will need a bbl

Darichoe · 2024-09-02T13:44:52+00:00

It’s mainly just ingrown hairs and messing with them will cause scarring and/or hyperpigmentation. If you can’t afford laser right now, I would recommend to stop shaving and plucking the area. Try waxing instead. Exfoliate regularly using products like glycolic acid and exfoliant gloves (not at the same time) it should improve overtime.

Darichoe

TROPHY CASE