Easy credit repair canada
Making Your Life Easy!
We are Canada's #1 Credit Repair Services Company!
Credit Repair the Legal Way
What is Credit Repair?
Canada's Consumer Protection Act (CPA) defines:
Credit Repair: means "services or goods that are intended to improve a consumer report, credit information file, or personal information including a credit record, credit history or credit rating.
Credit Information: means information about a consumer as to name, age, occupation, place of residence, previous places of residence, marital status, spouse's name and age, number of dependents, particulars of education or professional qualifications, places of employment, previous places of employment, estimated income, paying habits, outstanding debt obligations, cost of living obligations and assets;
Personal Information: means information other than credit information about a consumer's character, reputation, health, physical or personal characteristics or mode of living or about any other matter concerning the consumer.
Consumer Reporting Agency: means a person who for gain or profit or on a regular co-operative non-profit basis furnishes consumer reports. Such as Equifax Canada and TransUnion Canada.
Is Credit Repair Legal in Canada?
Yes, Canada's Consumer Protection Act (CPA) expressly allows for companies to provide Credit Repair Services in Canada, as long as there is a written contract or agreement between the parties.
How Do You Fix My Credit?
This is a 4-part process.
First, we collect your Equifax and TransUnion Canada credit reports and we identify erroneous, inaccurate, or unverifiable negative accounts that are harming your credit score and history.
We then use our attorney drafted dispute letters to file an initial dispute with the credit bureaus (Equifax & TransUnion Canada). The dispute letters contain all required legal language demanding the verification of the negative information, proof of ownership of the account, and production of any supporting evidence. You must understand that the burden of proving that the account either belongs to you or was in fact was negative (late payments, charged off, etc.) is solely on the creditor that provided that information to Equifax or TransUnion and NOT on you.
Second, once Equifax and TransUnion receive our initial dispute they are 30 days to investigate our dispute and mail you back an updated credit report. This report will then show the investigation results for all of your accounts which we disputed. The account will be labeled as either Deleted/Updated (we won) or Remains (we lost). So, the accounts that were deleted, those negative accounts are no longer on your credit history and your score has increased. For the accounts that Equifax and TransUnion concluded as Remains, those accounts will be directly challenged and disputed by us with the creditor directly. At this time, we will submit our attorney drafted Demand Letters to each of your creditors demanding that they produce to us proof that this account was opened by you. Such documents include contracts bearing your signature or the like, otherwise the creditor will face thousands of dollars of fines from CPA and you will be entitled to sue for tort of defamation.
Third, the Creditors have 30 days to produce the evidence of a contract bearing your signature that you opened the account or the like. At this point you will get either of two responses from the creditors. 1) We have removed the account from reporting with Equifax and TransUnion and updated our files; or 2) We have sent you proof that the account belongs to you and the information is valid. Here, if the Creditor has removed the account we win. However, if the Creditor has refused to remove the account and not provided us with any proof then we have proof that the creditor does not have any documentation on the account.
Fourth, then we take the copies of the creditor's response and file a secondary dispute with Equifax and TransUnion that the Creditor has failed to verify the debt as evidence by their response but continues to maliciously report the unverifiable negative information anyways. After another 30 days these accounts are deleted from your credit report permanently.
This is how we legally and aggressively remove inaccurate, erroneous or unverifiable negative accounts and history from your credit report.
Legal due Process
Credit Repair the Legal Way
Legal due Process
The credit card companies would like you to believe you are at their mercy! The truth is you have rights and we are here to help enforce your right to good credit. After your initial consultation, you will know exactly what is available to you for improving your credit. We know the process and together we can get you results too.
Awareness
Credit Repair the Legal Way
Legal due Process
When looking into credit repair, many people bump into fraudulent companies that promise to give them an entirely new credit file. They do this by switching out social insurance numbers and creating new reports. This is illegal, so you want to avoid it at all costs. If you get caught, you will have more trouble than just a bad credit score – you will have committed a crime.
Credit Repair the Legal Way
Credit Repair the Legal Way
Credit Repair the Legal Way
Stick with a trusted company like EZ Credit Repair Canada. We take a completely legal approach to credit repair. Instead of creating fictitious credit reports, we work to remove the items from the report the legal way.
Our Credit Repair process is proven to be the fastest way to better financial character
Payment Plans
Payment Plans
Credit Repair the Legal Way
We help clients to better their Financial Character by choosing a payment plan that will best fit your financial situation.
Take Control
Payment Plans
Take Control
If you don't qualify for a loan or credit card.
Don't allow bad credit to ruin your life!
Call us today and regain control over your finances and your life!
EZCRC
Payment Plans
Take Control
EZ Credit Repair Canada has helped over 400,000 customers Repair their Credit.
Better credit is just a free consultation away. Schedule yours today.