Credit repair guides &amp; tips

Understanding Equifax vs TransUnion in Canada

Canada has two credit bureaus, and your scores can differ between them. Learn how they work and why you need to check both.

Mar 5, 20264 min

Can Negative Items Be Removed from Your Credit Report?

Collections, late payments, and errors can drag your score down for years. But some can be disputed and removed. Here's how.

Feb 28, 20265 min

Business Credit

Building Business Credit When Your Personal Score Is Low

Practical moves for Canadian business owners under 620: which lending doors close, which stay open, and how to build business credit in parallel with personal repair.

Feb 20, 20266 min

Do Credit Repair Companies Actually Work in Canada?

Skeptical? Fair. Here's an honest answer from a Canadian credit repair company, including what we can and can't do.

Apr 1, 20266 min

Credit Repair vs Credit Counselling in Canada: What's the Difference?

These two services are often confused, but they solve different problems. Here's how to know which one you actually need.

Apr 2, 20265 min

How to Rebuild Credit After a Consumer Proposal in Canada

The action-oriented playbook for Canadians completing a consumer proposal: what your report looks like, the realistic rebuild timeline, and the 5 moves that compress recovery from 3 years to 18 months.

Apr 3, 20265 min

How to Remove Collections from Your Credit Report in Canada

Collections can stay on your report for up to 6 years. But some can be disputed or negotiated off. Here's the Canadian process.

Apr 4, 20266 min

How to Dispute Errors on Your Credit Report in Canada (Equifax and TransUnion)

Step-by-step guide to disputing errors on your Equifax and TransUnion credit reports under Canadian law.

Apr 5, 20267 min

What Credit Score Do You Need for a Mortgage in Canada?

Banks, credit unions, and private lenders all have different minimums. Here's the full breakdown for 2026.

Apr 6, 20265 min

Business Credit

Credit Repair for Self-Employed Canadians: What You Need to Know

Self-employed income is harder for lenders to verify, making your credit score more important than ever. Here's how to protect and improve it.

Apr 7, 20266 min

How to Fix Your Credit After Divorce in Canada

Divorce can wreck your credit through joint accounts, missed payments, and legal costs. Here's the recovery roadmap.

Apr 8, 20266 min

Is Credit Repair a Scam? The Honest Answer for Canadians

Reddit says yes. Some companies prove it. But legitimate credit repair exists in Canada. Here's how to tell the difference.

Apr 9, 20265 min

How Long Do Collections Stay on Your Credit Report in Canada?

Collections can stay on your Canadian credit report for up to 6 years from the date of last activity. Learn the exact rules for Equifax and TransUnion Canada.

How Long Do Late Payments Stay on Your Credit Report in Canada?

Late payments stay on Canadian credit reports for 6 years from the date the payment was missed. Learn how both bureaus handle late payment history.

How Long Does Bankruptcy Stay on Your Credit Report in Canada?

A first-time bankruptcy stays on your Canadian credit report for 6 years after discharge. A second bankruptcy stays for 14 years. Here is what you need to know.

How Long Does a Consumer Proposal Stay on Your Credit Report in Canada?

A consumer proposal stays on your Canadian credit report for 3 years after you finish paying it off. Learn how Equifax and TransUnion handle consumer proposals.

How Long Do Hard Inquiries Stay on Your Credit Report in Canada?

Hard inquiries from credit applications stay on your Canadian credit report for 3 years. Learn what counts as a hard inquiry and how to minimize the damage.

How Long Do Judgments Stay on Your Credit Report in Canada?

Court judgments stay on your Canadian credit report for 6 years from the date they were filed. Learn how judgments affect your credit and what options you have.

How Long Do Fraud Alerts Stay on Your Credit Report in Canada?

Fraud alerts on Canadian credit reports typically stay for 6 years. Learn how to place, renew, or remove a fraud alert with Equifax Canada and TransUnion Canada.

How Long Do Student Loans in Collections Stay on Your Credit Report in Canada?

A student loan sent to collections stays on your Canadian credit report for 6 years from the date of last activity. Government student loans have special rules you need to know.

How Long Do Missed Payments Stay on Your Credit Report in Canada?

Missed payments stay on your Canadian credit report for 6 years from the date they were missed. Learn how missed payments differ from late payments and what you can do.

How Long Do Credit Inquiries from Applications Stay on Your Credit Report in Canada?

Credit inquiries from loan and credit card applications stay on your Canadian credit report for 3 years. Learn the difference between hard and soft inquiries in Canada.

Credit Repair After Being Denied a Mortgage in Canada: What to Do Next

Getting denied for a mortgage in Canada is not the end. Learn what lenders are seeing, how to fix it, and when you can apply again.

Credit Repair After Being Denied an Apartment in Canada: What to Do Next

Landlords in Canada check credit before approving rental applications. If you have been denied an apartment, here is what your credit report looks like to landlords and how to fix it.

Credit Repair After Bankruptcy in Canada: What to Do Next

Rebuilding your credit after bankruptcy in Canada is possible and faster than most people think. Here is a realistic timeline and step-by-step plan for discharged bankrupts.

Credit Repair After Divorce in Canada: What to Do Next

Divorce can damage your credit in ways that are not obvious until it is too late. Here is what Canadian divorcees need to know about protecting and rebuilding their credit.

Credit Repair After Arriving in Canada: What Newcomers Need to Do Next

Your credit history from home does not follow you to Canada. Here is how newcomers can build a Canadian credit profile quickly and avoid the most common mistakes.

Credit Repair After Job Loss in Canada: What to Do Next

Job loss can trigger missed payments, collections, and credit score drops. Here is how Canadians can protect their credit during unemployment and rebuild after finding work.

Credit Repair After Identity Theft in Canada: What to Do Next

Identity theft in Canada can leave fraudulent accounts on your credit report for years. Here is the exact process to clear your name and repair your credit.