We work fast. All of our staff is "full time" and your file will be worked on immediately after your membership payment is received. The length of time of it to be adjusted, removed or corrected depends on the specific agency. We always request immediate compliance in the case of errors, by law the creditors, collectors and reporting agencies must respond in a reasonable amount of time.

We guarantee that we will use our expert services, staff knowledge as well as our 20 years experience with credit issues to work in your favour. We have an amazing track record and have dealt with almost every type of situation successfully. That said it is impossible to guarantee that third party agencies will comply with your requests for repair or removal, however if the claim is valid most creditors and agencies will comply with our disputes. In the event of compliance violations almost always we will be successful.

In many cases information may have been reported in error and would call for its removal. Many times even bankruptcies get reported with misleading data and compliance violations.

We know your credit score is so important to you, it would make sense that the credit reports used to calculate your credit score are managed with the utmost care. Unfortunately you and millions of Canadians with errors on their credit reports end up overpaying in interest or simply get declined for everyday loans and mortgages. In addition, most credit reports contain misleading or out of date information that gives creditors the wrong idea of who you are as a consumer.

Foreclosure is a voluntary or involuntary repossession of a property from a homeowner. During foreclosure, the property is taken away from a homeowner and placed back into the ownership of the bank that originated the loan for the home. The most common reason for foreclosure is missed or late mortgage payments. However, due to the expense and loss that a bank suffers when foreclosing on a property, many institutions are offering foreclosure alternatives known as loss mitigation.

Loss mitigation is creating a program for consumers to assist them during times of financial hardship to bring their mortgage payment current over time and prevent foreclosure proceedings. Most lenders realize that each situation for consumers is different, so there is a plethora of options available for consumers trying to avoid foreclosure.

Most loss mitigation is as a result of consumers that have suffered a short term financial hardship. Typically this is as a result of a job loss, divorce or medical problems. In these scenarios, lenders will offer programs to consumers that will allow them either to move the missed payments into their equity (adding it on to the end of the loan) or adding a small amount to a normal monthly mortgage payment. Both of these options allows for the homeowner to remain in their home and avoid foreclosure proceedings.

Unfortunately, not all losses suffered by consumers are short term. Some individuals are forced into a situation where it is simply not possible to keep up with their mortgage at its current payment now or in the future. For these scenarios, lenders still have two options of loss mitigation to help the consumer get out of the loan, without having the sting of a foreclosure to follow them for years to come. These options are as follows: selling the home short of the amount due on the loan (settling with the bank for less) or a deed in lieu of foreclosure (signing the home back over to the bank).