Credit Problems or Issues?

Do you want to re-establish or establish your credit and do not know where to begin?  We can both advise and help you re-establish your credit with an Automotive Loan.

Collections, Bankruptcy, Judgments, Write Offs, Repossession, Consumer Proposals... and other credit problems must be addressed on your Equifax and Trans Union credit report (also called credit bureau). This is the only way a credit score will ever increase enough for you to get a loan with a good interest rate especially for a Mortgage or Auto Loan.  The BEST way to re-establish your credit is to take on a loan and pay it off.  We will illustrate how to get the loan and save you thousands of dollars in interest while paying off your loan.

Many Canadians falsely believe that if they wait long enough after their credit issues occur, they will qualify for a loan with low interest rates.  This is not the case.  While most credit issues remain on your credit bureau for seven years, once they are removed, you find yourself in a situation of having No Credit!  No credit is viewed as worse than bad credit because the lender has no background information to consider while deciding on your loan.  So once again, you may be approved, but with high interest rates.

Two examples of interest rates saved when reports are cleaned up and repaired. The top one is a 30 year mortgage at only $100,000. The second one is a regular five year loan at only $20,000

$100,000 home with a 30-year mortgage

Credit Status Rate   Payment   Cost of Bad Credit  
Great   7% $665.30   $0.00
Average 9% $804.62   $50,155.24
Bad   12% $1,028.61   $130,791.63
Credit Status Rate Payment Cost of Bad Credit
Great   8%   $405.52   $0.00  
Average   13%   $455.06 $2,972.40  
Bad   20% $529.87 $7,461.00

$20,000 with a 5-year loan

Many people are now turned down for jobs, homes, apartments and even car insurance if the credit reports are bad so the effect of credit on our lives is very real and hits home the minute you find out that you can't do something you normally would not think twice about. Your biggest decision should be ... do you want to make a change in your life that will help you live the rest of it with some sort of pride in the accomplishments you have the power to change.

We help people with credit problems every day.  We will get you a Car Loan at the best possible interest rate that your credit will allow.  We will then get you the vehicle of your choice that matches your loan approval.  We will keep in contact with you and reduce your interest payments throughout the term of your loan.  We only deal with lending institutions that report back to the credit agencies.  This assures you that your credit report will reflect all the payments you are making and assure lenders such as credit card institutions that your are a good potential customer.

Did you know that cleaning up your credit saves you THOUSANDS of dollars ... and that is just in interest rates on home and auto loans? You save even more on credit cards and other revolving credit lines simply because you repair credit reports.

If you are going to make the effort to fix your credit then you should choose a company that makes every effort to help you!  We have been on the internet since 1996 and have helped thousands of consumers get back on track with credit.  We are affiliated with a large Canadian Automotive Dealer Group and many reputable franchises dealers.  We utilize a very wide and diverse group of lending institutions including manufacturers, banks, and private lenders who report back to the credit agencies.  Be choosey when it comes to something as important as your good credit. It stays with you for a long time and it is definitely hard to undue what another company has done.  We back our integrity with proof.  Our only goal is to help you with your credit problems. If you are looking to establish or re-establish credit in Canada, apply for a loan now.

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