That depends on how much needs to be fixed. The average credit fix runs 6-12 months. If you have only 1 or 2 things to fix on your report, it could take less time but obviously, if your credit has more issues to resolve it could take longer.

Personal Information.  This is the most important aspect of your credit file.  This is what the credit bureaus and potential creditor use to identify you so it is of the utmost importance that the info is up to date and accurate.

Any information that is not accurate. Inaccurate information is probably the leading cause of people being declined for new credit. Not all creditors do their part when it comes to credit reporting, so it is up to you to ensure that the information on your credit report is accurate and up to date. This is where our credit experts come into the picture. If you say this debt on your credit report is not yours, we have letters that will force the creditor to prove that it is your debt and have that debt removed from your credit report if it doesn’t belong to you.

Good credit does not happen overnight.  It took time to mess it up so it only stands to reason that it will take time to clean it up.  The good news is that we have a whole team of credit experts that know how to do this faster and better than anyone else. We will ensure that we do what is best for your credit situation and have your credit cleaned up in no time.

No, but we will help you to negotiate the best possible settlement on old, bad debt. Once the debt is paid, we will ensure that the creditors update the status of that debt as paid on your credit report. So that when you are in a good situation, you will be able to start applying for new loans.

If you check your credit report on a regular basis, you will see your score start to improve as soon as you clear up some of the old, bad stuff off your credit report. It is simple — as old bad debts sit on your credit report, they start to damage your credit score. It is important to eliminate these bad debts off your credit report so that the positive reporting can influence your credit score. We will also help you obtain new credit with our affiliated companies, who we will ensure will report on a monthly basis so that you can see an increase in your credit score.

Credit education.  Did you know that most Canadians have no credit education?  Just what they have learnt on their own? Some people that are new to our country have no credit education at all.  Scary, isn’t it?

After you have completed the program whether it be for 3 months or 12 months, you will come away with a better understanding and respect for credit and its usage. We will ensure that you have the necessary tools and knowledge to take care of your own credit so that you won’t have to make the same mistakes over again.

Having the information is half the battle. Our experts will educate you on how to avoid making the same mistakes again so that you can save thousands of dollars in interest per year.

Honestly, because they don’t have to. After all, they want to get as much money as possible out of you. We have spent years developing the letters and the language to get their attention. We know when and how to negotiate. Many people don’t understand how credit works and this is what collectors are counting on. Our letters show that you know your rights and are not intimidated by the collectors.

Every time a potential creditor “pulls” your credit history, points are deducted from your credit score.  Apply for 3 different loans (whether it be for a car, mortgage or a credit card) and presto, there goes up to 100 points off your credit score.  These types of inquiries can cost 3-30 points per inquiry.  Financial institutions (like banks and credit card companies) have the highest points deducted per inquiry.