Team CIBC marks 20 years of CIBC Run for the Cure

Nearly 100,000 Canadians, including 15,000 members of Team CIBC came together to honour friends and family affected by breast cancer in communities across Canada for the Canadian Breast Cancer Foundation (CBCF) CIBC Run for the Cure.

This year marked a significant milestone for CIBC – 20 years of partnership, raising nearly $3 million for CBCF in support of innovative breast cancer research, treatment and support services for the estimated one in nine women in Canada who will be diagnosed with breast cancer in their lifetime.

“On behalf of Team CIBC, I want to thank the Canadian Breast Cancer Foundation for 20 great years of partnership and all the work they do to make a difference in the lives of those affected by breast cancer,” says Christina Kramer, CIBC’s Executive Vice-President and its Executive Run Sponsor. “It’s through the commitment and passion of Team CIBC together with our clients, employees and thousands of Canadians that individuals touched by this disease are living longer, healthier lives after diagnosis.”

Over the last 20 years, CIBC and CBCF have worked hand-in-hand, with clients, communities and volunteers across Canada to grow the CIBC Run for the Cure into the largest, single-day, volunteer-led event dedicated to raising funds for breast cancer research. CIBC’s involvement started with a handful of dedicated and passionate employees, and has since grown to be one of the bank’s largest employee driven fundraisers.

“For the past two decades, CIBC has been our strongest and most dedicated partner. In 20 years, Team CIBC has raised an extraordinary $45 million for the cause,” said Lynne Hudson, CEO, Canadian Breast Cancer Foundation. “Thanks to their unparalleled commitment to the Canadian Breast Cancer Foundation, we have been able to help reduce breast cancer mortality rates by 44 per cent by investing in groundbreaking research and programs to improve the lives of those affected by breast cancer.”

This year, Team CIBC helped CBCF raise an estimated $17 million through pledges, donations and fundraising initiatives.

About the Canadian Breast Cancer Foundation CIBC Run for the Cure
The Canadian Breast Cancer Foundation CIBC Run for the Cure is the largest, single-day, volunteer-led event dedicated to raising funds for breast cancer research. On October 2, 2016, this national movement will bring together participants and volunteers in more than 60 communities across the country to create a future without breast cancer. Register, donate or learn more at CIBCRunForTheCure.com and follow the conversation using the hashtag #CIBCRunfortheCure

About the Canadian Breast Cancer Foundation

The Canadian Breast Cancer Foundation (CBCF) is a national community-driven charity. As the largest charitable funder of breast cancer research in Canada, CBCF’s vision is to create a future without breast cancer. Since its inception in 1986, the Foundation has invested over $360 million in breast cancer research, funding more than 1,400 scientific and community grants. CBCF’s investments in vital research, education, health promotion, support and information programs have led to progress in breast cancer prevention, diagnosis, treatment and care. For more information, visit cbcf.org.



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What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

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