{"id":74766,"date":"2026-04-30T12:50:07","date_gmt":"2026-04-30T16:50:07","guid":{"rendered":""},"modified":"2026-05-04T10:30:49","modified_gmt":"2026-05-04T14:30:49","slug":"how-does-a-consumer-proposal-affect-credit-scores","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","title":{"rendered":"How Does a Consumer Proposal Affect Credit Scores?"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\"><p>Filing a consumer proposal will lower your credit score<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Debts included in a consumer proposal are typically rated R7 on your credit report<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>It can remain on your credit report for up to 3 years after completion or 6 years from filing<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>You may still be able to access credit but with stricter terms.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Credit rebuilding is possible with consistent habits.<\/p><\/li>\n<\/ul>\n<\/div><\/div><br>\n\n\n\n<p>When debt becomes overwhelming, a consumer proposal may offer a solution. A consumer proposal allows you to negotiate repayment with your creditors, agreeing to pay a portion of the debt based on what you can afford.<\/p>\n\n\n\n<p>However, consumer proposals can affect your credit score, although the impact may be less severe than filing for bankruptcy. If you\u2019re considering this option, understanding how a consumer proposal affects your credit score in Canada, and how long the impact lasts, can help you plan your next steps.<\/p>\n\n\n\n<p>Filing a consumer proposal will lower your credit score and assign an R7 rating to included debts. The impact can last for several years but is typically less severe than bankruptcy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-a-consumer-proposal-works\">How a consumer proposal works<\/h2>\n\n\n\n<p>A&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/an-alternative-to-bankruptcy-understanding-the-consumer-proposal-process-in-canada\/\" target=\"_blank\" data-dig-id=\"LP-74766-3b58869d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"consumer proposal\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">consumer proposal<\/a>&nbsp;is a legal arrangement in which you agree to pay off a reduced amount to clear your debts with creditors. You\u2019ll draft the proposal terms with the guidance of a Licensed Insolvency Trustee (LIT) who then negotiates with your creditors on your behalf.<\/p>\n\n\n\n<p>Assuming your creditors approve, you\u2019ll pay an agreed-upon amount each month. It can take up to 60 months to finish a consumer proposal and once complete, you\u2019re done paying off the debts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-a-consumer-proposal-affects-your-credit-score\">How a consumer proposal affects your credit score<\/h2>\n\n\n\n<p>Filing a consumer proposal is considered a significant credit event and will typically lower your credit score. There is no fixed number of points your score will drop, as it depends on your starting score and credit history. However, most people will see a noticeable decrease once the proposal is filed and reported.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-a-consumer-proposal-appears-on-your-credit-report\">How a consumer proposal appears on your credit report<\/h2>\n\n\n\n<p>Your credit report is a collection of information about your debts, including how much you owe, the types of debt you have and your payment history. Equifax and TransUnion are the two main agencies responsible for creating credit reports in Canada.<\/p>\n\n\n\n<p>When you file a consumer proposal, it becomes a formal record on your credit report that lenders and anyone authorized to check it, can see.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-lenders-can-see\">What lenders can see<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">The date you filed<\/li>\n    <li class=\"wp-block-rbc-list-item\">Your consumer proposal completion date<\/li>\n    <li class=\"wp-block-rbc-list-item\">Which debts were included in the proposal<\/li>\n<\/ul><br>\n\n\n\n<p>Once you have a consumer proposal on your credit report, it can remain there for up to three years after making the final payment to the plan or six years after you sign the proposal, whichever is sooner.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-understanding-credit-ratings-r1-r9\">Understanding Credit Ratings (R1-R9)<\/h3>\n\n\n\n<p>Debts included in a consumer proposal are typically assigned an R7 rating, meaning you\u2019ve agreed on a settlement agreement with your creditors. For comparison:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><strong>R1<\/strong> is considered perfect credit<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>R7<\/strong> indicates a consumer proposal and that debt is being repaid under a settlement agreement<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>R9<\/strong> represents bankruptcy &#8211; the lowest rating possible<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-does-a-consumer-proposal-affect-your-credit\">How long does a consumer proposal affect your credit?<\/h2>\n\n\n\n<p>A consumer proposal can remain on your credit report for:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Up to 3 years after you complete the proposal, or<\/li>\n    <li class=\"wp-block-rbc-list-item\">Up to 6 years from the date you file, whichever comes first<\/li>\n<\/ul><br>\n\n\n\n<p>This is one of the most important factors affecting your long-term credit recovery timeline.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-you-get-credit-during-a-consumer-proposal\">Can you get credit during a consumer proposal?<\/h2>\n\n\n\n<p>It\u2019s possible to get credit during a consumer proposal, though your options might be limited. Lenders may see you as being higher risk which can result in:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Lower approval odds<\/li>\n    <li class=\"wp-block-rbc-list-item\">Higher interest rates<\/li>\n    <li class=\"wp-block-rbc-list-item\">Smaller credit limits<\/li>\n<\/ul><br>\n\n\n\n<p>Some individuals may consider secured credit products to begin rebuilding their credit history during this time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-consumer-proposal-vs-bankruptcy-credit-impact\">Consumer proposal vs bankruptcy: credit impact<\/h2>\n\n\n\n<p>Both options affect your credit, but bankruptcy generally has a more severe and longer-lasting impact. For many Canadians, a consumer proposal may offer a more manageable path to rebuilding credit over time. For more detailed comparisons between the two options read&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/a-consumer-proposal-or-bankruptcy\/\" class=\"rbc-link-format\">our guide<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-rebuild-your-credit-after-a-consumer-proposal\">How to rebuild your credit after a consumer proposal<\/h2>\n\n\n\n<p>Filing a consumer proposal may hurt your credit scores, but the damage likely isn\u2019t permanent and you can start rebuilding your credit while you\u2019re still in a consumer proposal. Steps that can help improve your credit over time include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Paying bills on time<\/li>\n    <li class=\"wp-block-rbc-list-item\">Keeping balances low<\/li>\n    <li class=\"wp-block-rbc-list-item\">Using a secured credit card<\/li>\n    <li class=\"wp-block-rbc-list-item\">Monitoring your credit regularly<\/li>\n<\/ul><br>\n\n\n\n<p>Consistent habits can gradually help restore your credit profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-avoid-getting-back-into-debt\">How to avoid getting back into debt<\/h2>\n\n\n\n<p id=\"h-\">Building a realistic budget and maintaining financial discipline can help reduce the risk of falling back into debt.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Create a monthly budget<\/li>\n    <li class=\"wp-block-rbc-list-item\">Avoid over-use of credit<\/li>\n    <li class=\"wp-block-rbc-list-item\">Pay credit card balances in full<\/li>\n    <li class=\"wp-block-rbc-list-item\">Monitor spending regularly<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq\">FAQ<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title32ea74da\" class=\"collapse-toggle collapsed\" data-target=\"#accordion32ea74da\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-74766-32ea74da\" aria-controls=\"accordion32ea74da\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does a consumer proposal lower your credit score?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much does a consumer proposal lower your credit score?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion32ea74da\" role=\"region\" aria-labelledby=\"accordion-title32ea74da\"><div class=\"collapse-inner\">\n<p>There is no fixed number of points but filing a consumer proposal is considered a significant negative event and will typically result in a noticeable drop in your credit score.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5ff9976d\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5ff9976d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-74766-5ff9976d\" aria-controls=\"accordion5ff9976d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is a consumer proposal better than bankruptcy for your credit?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is a consumer proposal better than bankruptcy for your credit?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5ff9976d\" role=\"region\" aria-labelledby=\"accordion-title5ff9976d\"><div class=\"collapse-inner\">\n<p>Generally, yes. A consumer proposal results in a R7 rating while bankruptcy is rated R9, which has a more severe and longer-lasting impact.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledc4966a3\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondc4966a3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-74766-dc4966a3\" aria-controls=\"accordiondc4966a3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long does a consumer proposal affect your credit?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long does a consumer proposal affect your credit?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondc4966a3\" role=\"region\" aria-labelledby=\"accordion-titledc4966a3\"><div class=\"collapse-inner\">\n<p>A consumer proposal stays on your credit report for up to 3 years after completion or 6 years from the filing date, whichever comes first.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleaf3c57a1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionaf3c57a1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-74766-af3c57a1\" aria-controls=\"accordionaf3c57a1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can you rebuild credit after a consumer proposal?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can you rebuild credit after a consumer proposal?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionaf3c57a1\" role=\"region\" aria-labelledby=\"accordion-titleaf3c57a1\"><div class=\"collapse-inner\">\n<p>Yes, with consistent habits like on-time payments and responsible credit use, it\u2019s possible to gradually improve your credit score over time.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7f6cc385\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7f6cc385\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-74766-7f6cc385\" aria-controls=\"accordion7f6cc385\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can you get a credit card during a consumer proposal?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can you get a credit card during a consumer proposal?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7f6cc385\" role=\"region\" aria-labelledby=\"accordion-title7f6cc385\"><div class=\"collapse-inner\">\n<p>Yes, though options may be limited. Secured credit cards are often more accessible and can help rebuild credit.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-additional-resources\">Additional Resources<\/h3>\n\n\n\n<p id=\"h-\">Want more tips on rebuilding your credit after filing a consumer proposal or bankruptcy? Read&nbsp;<a href=\"https:\/\/discover.rbcroyalbank.com\/6-ways-to-rebuild-your-credit-score\/\" class=\"rbc-link-format\">6 Ways to Rebuild Your Credit Score<\/a><em>.<\/em><\/p>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.<\/p>\n","protected":false},"author":116,"featured_media":74767,"parent":57282,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[77],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[509],"rbc_difficulty_level":[33],"rbc_mmm_category":[309,335,302],"class_list":["post-74766","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-personal-finance","rbc_content_type-article","rbc_lob_group-accounts","rbc_difficulty_level-beginner","rbc_mmm_category-bankruptcy","rbc_mmm_category-consumer-proposals","rbc_mmm_category-debt-stress-relief"],"acf":{"contently_publication_id":"361063","custom_author":"Rebecca Lake","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":[{"title":"How a consumer proposal works","url":"#h-how-a-consumer-proposal-works"},{"title":"How a consumer proposal affects your credit score","url":"#h-how-a-consumer-proposal-affects-your-credit-score"},{"title":"How a consumer proposal appears on your credit report","url":"#h-how-a-consumer-proposal-appears-on-your-credit-report"},{"title":"How long does a consumer proposal affect your credit?","url":"#h-how-long-does-a-consumer-proposal-affect-your-credit"},{"title":"Can you get credit during a consumer proposal?","url":"#h-can-you-get-credit-during-a-consumer-proposal"},{"title":"Consumer proposal vs bankruptcy: credit impact","url":"#h-consumer-proposal-vs-bankruptcy-credit-impact"}],"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Royal Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-04T14:30:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\"},\"author\":{\"name\":\"pamelacastillovega\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/496a968a6fd4fd5c0a5f6905393cce37\"},\"headline\":\"How Does a Consumer Proposal Affect Credit Scores?\",\"datePublished\":\"2026-04-30T16:50:07+00:00\",\"dateModified\":\"2026-05-04T14:30:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\"},\"wordCount\":992,\"image\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\",\"keywords\":[\"Personal Finance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\",\"name\":\"How Does a Consumer Proposal Affect Credit Scores? - My Money Matters\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\",\"datePublished\":\"2026-04-30T16:50:07+00:00\",\"dateModified\":\"2026-05-04T14:30:49+00:00\",\"description\":\"A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\",\"contentUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\",\"width\":930,\"height\":620,\"caption\":\"Stressed woman looking at her bills\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"My Money Matters\",\"item\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Debt and Stress Relief\",\"item\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Bankruptcy\",\"item\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Consumer Proposals\",\"item\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"How Does a Consumer Proposal Affect Credit Scores?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/#website\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/\",\"name\":\"RBC Royal Bank\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/496a968a6fd4fd5c0a5f6905393cce37\",\"name\":\"pamelacastillovega\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/745d58ec1c047fe673e0ce3c53b8a24b71556508cb083fa5f75e8c6262bde45e?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/745d58ec1c047fe673e0ce3c53b8a24b71556508cb083fa5f75e8c6262bde45e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/745d58ec1c047fe673e0ce3c53b8a24b71556508cb083fa5f75e8c6262bde45e?s=96&d=mm&r=g\",\"caption\":\"pamelacastillovega\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"description":"A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","og_locale":"en_US","og_type":"article","og_description":"A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.","og_url":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","og_site_name":"RBC Royal Bank","article_modified_time":"2026-05-04T14:30:49+00:00","og_image":[{"width":930,"height":620,"url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#article","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/"},"author":{"name":"pamelacastillovega","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/496a968a6fd4fd5c0a5f6905393cce37"},"headline":"How Does a Consumer Proposal Affect Credit Scores?","datePublished":"2026-04-30T16:50:07+00:00","dateModified":"2026-05-04T14:30:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/"},"wordCount":992,"image":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80","keywords":["Personal Finance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","name":"How Does a Consumer Proposal Affect Credit Scores? - My Money Matters","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80","datePublished":"2026-04-30T16:50:07+00:00","dateModified":"2026-05-04T14:30:49+00:00","description":"A consumer proposal can make it easier to manage debt to become debt-free, but it may take a toll on your credit score.","breadcrumb":{"@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80","width":930,"height":620,"caption":"Stressed woman looking at her bills"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"My Money Matters","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/"},{"@type":"ListItem","position":2,"name":"Debt and Stress Relief","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/"},{"@type":"ListItem","position":3,"name":"Bankruptcy","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/"},{"@type":"ListItem","position":4,"name":"Consumer Proposals","item":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/"},{"@type":"ListItem","position":5,"name":"How Does a Consumer Proposal Affect Credit Scores?"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#website","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/","name":"RBC Royal Bank","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcroyalbank.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/496a968a6fd4fd5c0a5f6905393cce37","name":"pamelacastillovega","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/745d58ec1c047fe673e0ce3c53b8a24b71556508cb083fa5f75e8c6262bde45e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/745d58ec1c047fe673e0ce3c53b8a24b71556508cb083fa5f75e8c6262bde45e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/745d58ec1c047fe673e0ce3c53b8a24b71556508cb083fa5f75e8c6262bde45e?s=96&d=mm&r=g","caption":"pamelacastillovega"}}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"How Does a Consumer Proposal Affect Credit Scores?","url":"http:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/consumer-proposals\/how-does-a-consumer-proposal-affect-credit-scores\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80&w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"pamelacastillovega"}],"creator":["pamelacastillovega"],"publisher":{"@type":"Organization","name":"RBC Royal Bank","logo":""},"keywords":["personal finance"],"dateCreated":"2026-04-30T16:50:07Z","datePublished":"2026-04-30T16:50:07Z","dateModified":"2026-05-04T14:30:49Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"How Does a Consumer Proposal Affect Credit Scores?\",\"url\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/my-money-matters\\\/debt-and-stress-relief\\\/bankruptcy\\\/consumer-proposals\\\/how-does-a-consumer-proposal-affect-credit-scores\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/Untitled-design-2023-08-17T163722.877.jpg?quality=80&w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2023\\\/09\\\/Untitled-design-2023-08-17T163722.877.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"pamelacastillovega\"}],\"creator\":[\"pamelacastillovega\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Royal Bank\",\"logo\":\"\"},\"keywords\":[\"personal finance\"],\"dateCreated\":\"2026-04-30T16:50:07Z\",\"datePublished\":\"2026-04-30T16:50:07Z\",\"dateModified\":\"2026-05-04T14:30:49Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/rbcroyalbank.com\/p.js"},"featured_img":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-17T163722.877.jpg?quality=80&w=930","coauthors":[],"author_meta":{"author_link":"https:\/\/www.rbcroyalbank.com\/en-ca\/author\/pamelacastillovega\/","display_name":"pamelacastillovega"},"relative_dates":{"created":"Posted 6 days ago","modified":"Updated 2 days ago"},"absolute_dates":{"created":"Posted on April 30, 2026","modified":"Updated on May 4, 2026"},"absolute_dates_time":{"created":"Posted on April 30, 2026 12:50 pm","modified":"Updated on May 4, 2026 10:30 am"},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"advgb-post-tax-term\">Personal Finance<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Personal Finance<\/span>"],"slug":"post_tag","name":"Tags"},"rbc_content_type":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/content-type\/article\/\" class=\"advgb-post-tax-term\">Article<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Article<\/span>"],"slug":"rbc_content_type","name":"Content Types"},"rbc_audience":{"linked":[],"unlinked":[],"slug":"rbc_audience","name":"Audiences"},"rbc_lob_group":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/lob-group\/accounts\/\" class=\"advgb-post-tax-term\">Accounts<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Accounts<\/span>"],"slug":"rbc_lob_group","name":"LOB Groups"},"rbc_difficulty_level":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/difficulty-level\/beginner\/\" class=\"advgb-post-tax-term\">Beginner<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Beginner<\/span>"],"slug":"rbc_difficulty_level","name":"Difficulty Levels"},"rbc_mmm_category":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/bankruptcy\/\" class=\"advgb-post-tax-term\">Bankruptcy<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/consumer-proposals\/\" class=\"advgb-post-tax-term\">Consumer Proposals<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/mmm-category\/debt-stress-relief\/\" class=\"advgb-post-tax-term\">Debt and Stress Relief<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Bankruptcy<\/span>","<span class=\"advgb-post-tax-term\">Consumer Proposals<\/span>","<span class=\"advgb-post-tax-term\">Debt and Stress Relief<\/span>"],"slug":"rbc_mmm_category","name":"Categories"},"ep_custom_result":{"linked":[],"unlinked":[],"slug":"ep_custom_result","name":"Custom Results"}},"series_order":"","jetpack_sharing_enabled":true,"primary_tag":"77","primary_rbc_mmm_category":"335","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/74766","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter"}],"about":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/types\/rbc_my_money_matter"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/users\/116"}],"version-history":[{"count":7,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/74766\/revisions"}],"predecessor-version":[{"id":97785,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/74766\/revisions\/97785"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/57282"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/media\/74767"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/media?parent=74766"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/tags?post=74766"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_content_type?post=74766"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_audience?post=74766"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=74766"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=74766"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=74766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}