It is very common for certain types of credit to have what is called a Spilt file. Multiple credit files for the same client, that can keep you from getting them approved. Lisa Last and I outline how to Spot a Split File before the underwriter sees it and save the Mortgage.

Resource Section:

Image that outlines how you can tell which province your client received the SIN number - https://tinyurl.com/2cxm63fu  

More information on common errors after a Bankruptcy or Consumer Proposal - https://tinyurl.com/yxxtksyk