Canada Credit Repair - Welcome!

Living with a low credit rating does not always mean that you are financially irresponsible.

For example, many times there are instances where your 'good records' are not shown in the file, and worse than this, there may be events in which late payments you truly did not make will be added to your credit history.

In short, if you have been paying your debts on time but your credit report tells a different story, you need to learn how to repair your credit.

Sounds Good - But where do you Start?

1.) The first step is to make a written claim that contains the errors you found in your report. Remember to provide a clear description of every error and a valid reason why you think each item is incorrect. Include copies of billing and payment statements as part of your claim.

2.) Next, submit the written claim to a credit bureau. Ideally, you have to send the document to the bureau from which you got your report. For instance, if you live in a province in Canada, you should mail your letter to the Canadian credit agency that sent your file. In addition, the best way of submitting your complaint to the bureau is through regular mail. This ensures that you have legitimate proof that you indeed requested for this service.

3.) Once the credit bureau has accepted your complaint, it will give a specific waiting period, which usually consists of 30 days. During this stage, the bureau will process your claim, verify the incorrect data, and make the necessary changes. Upon completing its task, it will contact you and informed you about the corrections it has performed.

For many Canadians, Obtaining a recent copy of your Credit report and score is a perfect place to start before making attempts to repair your credit.

Get Equifax Canada Credit Report and Score Now!