Our Credit Repair Service

Your mortgage approval process heavily relies on your credit history, which serves as a dependable indicator of how you will manage your mortgage and finances in the future.

Individuals with below-average or lower scores falling into the "poor" credit range may encounter challenges such as higher interest rates, difficulty securing better loan terms, or even qualifying for a mortgage. Buyers with poor credit might need to make a larger initial down payment or have a co-signer to qualify for the mortgage required to purchase their desired home.

Your credit report is a compilation of all your mortgage and consumer debt. In Canada, your credit report is maintained by two agencies - TransUnion and Equifax. Lenders report transaction details to these agencies whenever you borrow money, pay off your debt, have late or missed payments or use a credit card.

Your credit score provides mortgage lenders with insight into your lending risk. Credit scores range from 300 to 900, with higher scores being favourable. Your credit score determines the mortgage products and interest rates you qualify for.

Your credit report is a working document that changes over time as lenders share more information with the credit reporting agencies. So, a bad credit score can be fixed if you are financially disciplined.

In Canada, you have the legal right to obtain a copy of your credit report. Work with your mortgage professional to analyze this report and highlight where to make changes to improve your credit score.

Our team offers a service specialized in helping you repair and rehabilitate your credit score so your path to homeownership becomes easier. Contact us to learn more about this service and how it helped hundreds of individuals with below-average credit scores fulfil their dreams of homeownership.