About Us
The team behind
your credit rebuild
Not a call centre. Not a faceless corporation. A team that has seen firsthand how bad credit holds good people back, and built a practice around fixing it.
Our Mission
Everyone deserves someone in their corner
Credit Repair Advocates was founded for people like our families: hardworking immigrants and visible minorities in the GTA who've been shut out of mortgages, car loans, and business financing because of credit report errors or old collections they didn't know how to fight.
We speak 8 languages because your credit shouldn't suffer just because English isn't your first language. We charge a flat fee with no monthly payments because we want to fix your credit, not profit from dragging it out.
Who We Are
Bar Credit Inc., operating as Credit Repair Advocates
A team built for this specific fight
Our team has sat on both sides of the credit table. We include former bank lending officers who know exactly which credit factors kill loan applications, and ex-collections professionals who understand how agencies report to Equifax and TransUnion, and precisely where those reports can be challenged. That inside knowledge is what we put to work for every client.
30+
Years Combined Experience
1,000+
Clients Helped
8
Languages Spoken
100%
Guaranteed or Money Back
Our Expertise
“We spent years watching good people get denied for mortgages, car loans, and business financing. Not because they could not afford it, but because of errors they did not put on their report and did not know how to challenge. We built Credit Repair Advocates because we had seen it from the inside. We knew exactly how to fix it.”
The Credit Repair Advocates Team
What We Stand For
Our values
Advocacy
We fight for your rights under Canadian consumer protection laws. Every disputed item, every bureau call, every follow-up.
Transparency
No hidden fees, no false promises. You'll know exactly what we're doing and why at every step of the process.
Results
We don't stop at 'good enough'. Our goal is 700+ for every client. Real scores, real approvals, real freedom.
Ready to start?
Let's talk about your credit
Free 15-minute call. No obligation. No pressure. Just an honest assessment of what we can do for you.