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NewEvery province and territory, in English and French →

Your report.
Your play.

Upload your Equifax and TransUnion reports. Our assistant explains every line, checks it against your province's rules, and drafts your letters. You decide what to send.

Find my provinceSee how it works

We are not a credit repair service.

01 · YOUR REPORT

Collection account

Both bureaus · made-up example

To check

02 · ASSISTANT

If this isn't yours, I can draft one letter for Equifax and one for TransUnion.

Drafting letters…

03 · YOUR LETTERS

To TransUnion Canada

Ready for you to read and send.

Drafted

Made-up example

CREDIT HELP FOR EVERY PROVINCE, IN PLAIN WORDS

One wrong line can cost you.
Catch it before a lender does.

Reports can have mistakes. We help you spot them and draft your letters. You read them and you send them. Nothing reaches a bureau without you.

By the book

Every letter is built on your province's own law.

Each rule we use comes from the province's own law, with a link to the source. Where we are still checking the exact section, we say so.

Each item on your report is matched to the section that applies. We show the section and link to it.

What we found

Birch Rewards Card · ····3381To check
CorrectNot sureSomething is wrong

Based on the law in your province, it is worth checking the date on this item.

THE SECTION

Where we have checked it, the exact section is quoted here, with a link to the law.

Your personal details are blacked out on screen. Our team can open your file to help you. Every look is logged and you can see the list in your Account.

Made-up example

Rate difference

Same loan. Different rate. See the gap.

The Financial Consumer Agency of Canada says lenders use your report and score to decide “at what interest rate” they lend. Try the numbers below.

Financial Consumer Agency of Canada

Example rates you can change

Example: a higher rate

$2,908 /mo

Example: a middle rate

$2,980 /mo

Example: a lower rate

$3,052 /mo

Difference per month$144Difference over 25 years$43,200

Mortgage maths uses half-yearly compounding, the usual Canadian method. Example rates only, not offers or quotes. Each lender sets its own rate.

Province finder

Thirteen rule books. Find yours in a keystroke.

Each province and territory has its own rules. Type where you live and open the page made for it.

13 of 13

What it does

Everything a dispute takes, in one calm place.

Reads every line

Upload both reports. We pick out every account, inquiry and collection, and black out your personal details on screen.

Collection account · both bureausTo check
Credit card · paid as agreedLooks right

English or French

Every page, every letter. Québec opens in French.

This collection appears on both reports. You can ask each bureau to check it.Ce recouvrement figure dans les deux dossiers. Vous pouvez demander à chaque agence de le vérifier.

Letters, drafted

One for each bureau. You read, change and send.

To: TransUnion CanadaI am writing to question an item on my report.

Reply tracking

See when each bureau should answer, and what to do next.

Equifax · waiting
TransUnion · answered✓

Private by design

Our team can open your file to help you. Every look is logged and you can see the list in your Account.

Your personal details are blacked out on screen. Our team can open your file to help you. Every look is logged and you can see the list in your Account.

New to Canada

New here? Your Canadian file starts the day you first apply.

A short file is normal when you arrive. Check your first Canadian report early, so the lines that follow you from here are right.

Your report is created “when you first borrow money or apply for credit.”

“Some lenders may look at your credit history from another country.”

“A poor or limited credit history may make it harder to borrow money or get a credit card.”

Quotes from the Financial Consumer Agency of Canada.

CANADA

Your Canadian file

Bank account opened
First credit card
Phone plan, wrong address
Made-up example

Assistant

Ask anything about your report.

Plain answers in English or French. It shows the source for every rule, and it never promises a score change or a removal.

What does this collection mean?

A lender passed this account to a collection agency. If it is not yours, or the amount is wrong, I can draft a letter to each bureau for you to send.

Which bureau do I write to?

Both, if the item shows on both reports. I drafted one letter for Equifax and one for TransUnion.

Can you remove it?

Not us. A bureau must fix an item that is wrong. Accurate information stays on your report. I can help you check it against your own records.

Made-up example

How it works

From your report to every item answered.

Six steps. You stay in charge of every one. Nothing leaves without your say.

The six stepsTap any step to see what happens there
  1. UploadAdd your reports
  2. ReadWe read every line
  3. MarkYou decide
  4. LettersYou read and send
  5. WaitingThe clock runs
  6. SettledEvery item answered

Step 1 of 6

Add both reports

What you do · Get your free Equifax and TransUnion reports and add them here, one at a time.

What we do · Check the file is a full report and lock it away. Your name, address, birth date and account numbers are blacked out first.

What you seeA simple drop box, a short checklist, and what we black out.

We tell you“Your report is in” · email + here

STRAIGHT TALK

What we never do.

The rules are the same for everyone. Knowing them is the whole point.

  • We never remove accurate information. Nobody can.
  • We never promise a score change, an approval or a removal.
  • Nothing leaves without your say. You read, you approve.
  • We never show you a number and call it your credit score.

Waitlist

Email me when CreditScoreTeam opens fully in my province

CreditScoreTeam is open by invitation for now. Leave your email and we write to you once, when it opens fully.

Start here

The evaluation

Both reports, every item explained, and the items worth questioning flagged.

The evaluation

$99
  • Both reports read, line by line
  • Every item in plain words
  • Your province's rule beside each item
  • Items worth questioning, flagged

The $99 comes off the Season or the Cup if you go on.

The evaluation is the reading. Letters come with the Season or the Cup.

See what's in the evaluation

Questions

Is this credit repair?

No. We help you read your own report and send your own letters. You stay in charge of every step.

Will this raise my score?

We never promise a score change. Fixing a real mistake makes your file true. What lenders do with it is up to them.

Can you remove things that are correct?

No. We only help you question items you believe are wrong.

Is it in French?

Yes. The Québec section opens in French, and every page has a French version.

Where is my information kept?

Sealed. Our team can open your file to help you. Every look is logged and you can see the list in your Account. You can delete everything at any time. Read how we protect your file.