If you have undergone bankruptcy or consumer proposal, you will need to consider how to rebuild your credit rating so that it does not continue to negatively impact your credit long-term.
When you file for bankruptcy or consumer proposal, the Office of the Superintendent of Bankruptcy (OSB) notifies the credit bureau. When you declare bankruptcy for the first time, the information will be kept on your credit report for 6 years where multiple bankruptcies will be kept on your credit report for 14 years.