Clean up your report. Get approved.
1000+ Canadians approved · Money-back guarantee · Bilingual EN / FR
We challenge and clear inaccurate items off your Equifax and TransUnion reports, get your balances back in line, and build the file that gets approved. Credit, cars, homes and loans — one team.
Free score + negative item summary + recommended solution. No obligation. 100% free.
Real clients. Real points.
This is what shows up on our clients' dashboards. Results vary by file — which is exactly why the analysis is free.
Nicole L.
Equifax
716
+54 pts
TransUnion
707
+45 pts
Jake M.
Equifax
510
+26 pts
TransUnion
667
+177 pts
Dwayne T.
Equifax
690
+142 pts
TransUnion
675
+146 pts
Jennifer R.
Equifax
723
+48 pts
TransUnion
677
+10 pts
Results shared by real clients. Individual outcomes vary.
What we have already had removed from client files
We challenge items that are inaccurate, incomplete, out of date, or that the creditor can't verify. We do not guarantee removal of every negative item, and nobody honest will.
People who deserve a second chance. Not a score.
Nobody arrives here because everything went well. A separation, an illness, a job loss, a business that did not make it, a card forgotten after a move. The file tells the story of a bad year. It does not tell the story of who you are.
People who need a second chance
A file damaged by a hard stretch that is now behind you. This is most of our clients, and it is exactly the work we do.
First-time buyers
You were told no and nobody explained why. We read the file, tell you exactly what is blocking you, and clear it.
Families stuck renting
You pay more in rent than a mortgage would cost. The only thing between you and owning is a credit report.
Self-employed Canadians
Your income is solid but your file does not show it. We structure the profile so a lender sees reality.
Newcomers to Canada
Excellent credit elsewhere does not cross the border. We restart the clock fast and in the right order.
People rebuilding
After a separation, an illness, a bankruptcy or a business that closed. The past gets cleaned. The future gets built.
Three steps. First updates in 10 to 45 days.
Check your credit
A full analysis of your Equifax and TransUnion reports and your overall financial profile — errors, risks and improvement opportunities.
Build & repair
We challenge inaccurate items, optimize your credit structure, and position your profile to meet lender approval criteria.
Get approved
Your profile is strengthened, compliant and ready for approvals — auto, home, business funding or whatever comes next.
Someone is working your file every week
Not software firing the same letter at everyone. Every item on your report is read, challenged on the ground that actually applies to it, then pushed until the bureau answers.
Two bureaus. Every item. Until it moves.
Most companies send one generic letter and wait. We work every item individually, across Equifax and TransUnion at the same time, and we push until the bureau answers or the regulated window runs out.
Both bureaus, always
A collection can sit on Equifax and not TransUnion. Cleaning one file is worthless if your lender pulls the other.
Item by item
Every account is challenged on the ground that actually applies to it: wrong balance, duplicate entry, incorrect date, unverifiable debt, out-of-date information.
We track the clock
Bureaus have a regulated window to verify with the creditor. We log it, watch it, and follow up the day it expires.
The creditors too
On the Aggressive plan we go past the bureau: we communicate directly with the creditor reporting the information and escalate where needed.
You see everything
A monthly report: what came off, what was refused, what goes back out. No radio silence.
Then the financing
Once the file is clean we do not hand you off. Auto, mortgage, business funding — we connect you to our partners.
Every file has a next rung. Here's yours.
Equifax Canada sorts scores into five tiers. Every time you cross into the next one, the lender's offer changes: more products, a better rate, fewer conditions. We don't aim at an invented point total — we aim at the next tier.
300–559
Poor
Approvals are rare and expensive. Deposits and co-signers get asked for.
560–659
Fair
Doors open, but at alternative-lender rates.
660–724
Good
The pivot tier. This is where A-lenders start saying yes.
725–759
Very Good
Better mortgage rates and better limits, without negotiating for them.
760+
Excellent
The best pricing on the board, on nearly everything you finance.
Most common client goal
Reach the Good tier — 660+
Tiers are Equifax Canada's own published thresholds. Your personal goal is set after we analyze your actual file. No specific point total is promised.
Two ways to get your report cleaned up
One-time fee. Three-month term. Monthly payment plans available. Money-back guarantee on both.
Regular Credit Sweep
$599
One-time · payment plans available
Mild to moderate issues: collections, late payments, reporting errors, general cleanup.
- 6 dispute rounds across Equifax & TransUnion
- Full personal information cleanup
- First updates in 30–45 days
- Monthly progress reports
- Budget calculator + credit guide included
Aggressive Credit Sweep
$899
One-time · payment plans available
Heavy files and urgent goals: home purchase, auto loan, business funding.
- Unlimited dispute rounds during the term
- Rapid, escalated strategy on every item
- First updates in 10–20 days
- Priority handling and one-on-one guidance
- Budget calculator + credit guide included
Risk reversalOur money-back guarantee
If we're unable to remove any negative item from your credit report within 180 days of enrolling, you receive a partial refund. There's also a Fair-Use Guarantee: if we can't improve your profile or successfully challenge at least one item, you're eligible for a partial refund or service credit, reviewed case by case.
- 1No new credit inquiries during the 180-day period.
- 2No maxed-out credit cards during the 180-day period.
- 3No new negative items caused by your own actions after enrolling.
Failing to meet these conditions forfeits the guarantee. Full terms are in your service agreement.
Credit is just the first door. We open the rest too.
Car loan approvals
We fix the credit, then get you approved for a car loan — without the second-chance interest rate.
Mortgage & real estate
We prepare your credit and connect you with top brokers and agents.
Private loans
When the bank says no and you need capital now, we connect you with private lenders.
Credit cards
Secured and credit-builder cards, chosen around what your file is actually missing.
Debt relief
For the people who need to take the pressure off before they can build anything.
Transforming credit. Transforming lives.
"Right from the get go, Capital Credit Canada has been great to deal with and saw an increase in my report within a week. They are highly recommended"
Robert Henry
Apr 17, 2025
"Such a great and helpful team! Very professional and effective! Thank you so much for being here!"
Serigne Ndiaye
Apr 09, 2025
"5 stars amazing customer service and on point with everything else u need to fix your credit thx u john"
Pascal St-Denis
Mar 04, 2025
"When I discovered a false claim on my report, the team was professional, supportive, and provided clear guidance throughout the dispute process. Within weeks, the claim was removed! Highly recommend."
Vanessa-Ann Haggar
Jan 04, 2025
"I had a really bad credit situation but when I contacted Capital Credit Canada they got on onboarding right away, started with a free credit analysis and helped me toward healthy credit again. Shout out to John — you are doing an awesome job and rest of the team is phenomenal."
Vinz Mishra
Dec 12, 2024
"I was satisfied with the hard work."
Nichole Severin
Nov 26, 2024
"Very nice guy and good service. I highly recommend."
Gibrane Khoda
Nov 21, 2024
"Excellent service et très professionnel. Service Bilingue. Je recommande fortement. Merci Kassandra."
Jany Bélanger
Dec 09, 2022
Let's fix your credit and build your future.
Free score, negative item summary and a recommended solution. No obligation. Takes two minutes.