What we are building
A credit service for people who have been told no by a lender and want a straight answer about why, and what it would actually take to change it.
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01
Read the file properly
Equifax and TransUnion both, line by line. They hold different data, and errors show up on one far more often than on both.
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02
Correct what is wrong
Accounts that are not yours, debts listed twice after being sold, balances that were paid, and wrong dates that keep an old item on your file past its six years.
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03
Rebuild from there
The accounts and payment habits that move a thin or damaged file, and a plain reading of how long it will take.
You do not pay us until your credit file measurably improves. That is not a promotion. It is Ontario law, and it is the right way to run this. Anyone in this province asking you for money up front is breaking it.