Take control of your finances and secure your future.

Q: How can I improve my credit score quickly?

Quick wins for improving your credit score include:Paying Down Balances: Focus on credit cards with high utilization rates.Fixing Errors: Dispute inaccuracies on your credit report.Avoiding Hard Inquiries: Limit new credit applications to prevent score dips.While improvements take time, these steps can yield noticeable results in a few months.

From budgeting to debt management, we provide the tools and guidance to help you build lasting financial health.

By submitting this application, you agree to our Terms of Use & Privacy Policy. Any information you provide is fully secure & strictly confidential. Trusted by Ontario homeowners.

Learn the basics of financial wellness

Budgeting basics for homeowners

Create a monthly budget that works for you.
Identify areas to cut unnecessary spending and allocate more toward debt repayment.
Use simple tools to track expenses and build savings.

Expert debt management solutions tailored for you

Consumer proposals with licensed insolvency trustees

Reduce your debt to a manageable amount with a legal agreement.
Avoid bankruptcy and regain financial control under the guidance of a professional trustee.

Bankruptcy support and guidance

Understand your options and rights when bankruptcy is your best solution.
Work with experts to minimize the impact on your financial future.

Formal debt settlement programs

Negotiate with creditors to reduce your debt balance.
Pay off debts with structured payments you can afford.

Rebuild your credit and unlock better opportunities

How to improve your credit score for better mortgage rates

Pay down existing balances strategically.
Fix errors on your credit report to boost your score.
Avoid unnecessary credit checks while rebuilding your profile.

Options for mortgages with low credit scores

Flexible mortgage options for homeowners with poor credit.
Private lenders and specialized solutions to secure financing despite low scores.

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Achieve financial freedom in 3 simple steps

Your financial questions answered

What’s the difference between a consumer proposal and bankruptcy?

Both a consumer proposal and bankruptcy are legal processes managed by a Licensed Insolvency Trustee (LIT). A consumer proposal is an agreement to reduce your debt and establish a manageable repayment plan over up to five years. It allows you to retain assets while avoiding bankruptcy.

Bankruptcy, on the other hand, involves surrendering non-exempt assets to settle your debts, with any remaining balances discharged. While bankruptcy can provide a fresh financial start, a consumer proposal is often preferred when feasible, as it has less impact on your credit and offers more flexibility.

How long does it take to rebuild my credit?

Rebuilding your credit typically takes 6 to 24 months, depending on your financial habits and the severity of past issues. Key steps include paying bills on time, reducing outstanding balances, and avoiding new debt. Regular monitoring of your credit report can also help you track progress and address errors that may be affecting your score.

Can I still qualify for a mortgage if I have bad credit?

Yes, you can! Options like private lenders or specialized programs are available for homeowners with low credit scores. Additionally, using your home equity can improve your chances of qualifying. Our team can help you explore solutions tailored to your situation, ensuring you have the best chance of approval.

How can I improve my credit score quickly?

Quick wins for improving your credit score include:

Paying Down Balances: Focus on credit cards with high utilization rates.
Fixing Errors: Dispute inaccuracies on your credit report.
Avoiding Hard Inquiries: Limit new credit applications to prevent score dips.
While improvements take time, these steps can yield noticeable results in a few months.

Are debt management programs the same as debt settlement?

No. Debt management programs involve working with a credit counselor to create a plan for repaying your debts in full, often with reduced interest rates. Debt settlement, however, involves negotiating with creditors to reduce the overall amount you owe. Each option has pros and cons, and our experts can guide you toward the right choice for your financial situation.

Have more questions? Speak with our experts today.

Ready to transform your financial health?"

Take the first step toward financial freedom with a free, no-obligation assessment.

By submitting this application, you agree to our Terms of Use & Privacy Policy. Any information you provide is fully secure & strictly confidential. Trusted by Ontario homeowners.