FREQUENTLY ASKED QUESTIONS!

1. What is a credit report review?
It’s a full analysis of your TransUnion and Equifax reports. We identify errors, outdated info, and anything negatively affecting your score — then give you a step-by-step plan to fix it.

 
2. How do I get my credit reports?
You can access both reports for free once every 30 days. We’ll guide you through the secure steps to download and share them with us.

 
3. Will this hurt my credit score?
No. Reviewing your own credit report is a soft inquiry and does not affect your score in any way.

 
4. Can you remove collections or delinquencies?
If they are inaccurate, unfair, or outdated, we’ll raise a dispute with the credit bureaus to have them removed. We also guide you on handling valid debts smartly.

 
5. How long does credit repair take?
It depends on your situation, but most clients start seeing results in 30 to 90 days. Some changes (like name corrections) can be faster, while others take more time.

 
6. What if I have a consumer proposal or bankruptcy?
We specialize in helping clients rebuild after financial hardship. We help clean up leftover errors and guide you on how to rebuild credit the right way.

 
7. Is this service safe and confidential?
Absolutely. Your data is treated with full confidentiality and never shared with anyone outside the dispute process.

 
8. What happens after the credit review?
You’ll receive a clear action plan. You can follow it yourself or hire us to help you execute the disputes, corrections, and rebuilding steps.

9. Can I get a mortgage in Canada with a 600 credit score?
Yes, but you may need to go through a B-lender or private lender with higher down payment requirements.

 
10. Do you offer ongoing support?
Yes. We offer ongoing repair, coaching, and budget planning services for clients who want hands-on support throughout the process.