Services - Canada Credit Fix

"When Bad Credit Happens To Good People
We Are Here For You!"

Our Credit experts have over 20 years of experience dealing with collectors, creditors, trustees, litigation and most of all reporting agencies. Our knowledgeable and aggressive approach can be the edge you need when disputing the mistakes, errors and wrongful reporting on your Credit Report. In many cases errors and mistakes caused by creditors can cost you thousands of dollars, cause you to be declined for financing and sometimes even ruin your life financially. Don't let the stress of dealing with creditors and agencies get you flustered! We can help you dispute both Equifax and TransUnion credit reports. Bad Credit and mistakes that can hurt everyone!

What makes us so good?

We hire only experts from the industry in our Credit Repair Lab! Credit and Finance Specialists, Ex Employees of Equifax, Ex-Collection Agency Reps, Credit Arbitrators and Lawyers. We know credit and we know your rights! Have Our Team Fight For You!

"Let us help you get the credit you deserve!"

Have our credit experts help you with the following disputes and removals.

Bad Credit
Bankruptcy
Foreclosure
Slow Payments

Excessive Inquiries
False Data
Judgements
Public Records

Collections
Delayed Purges
Low Credit Score
Reporting Errors

Unknown Dispositions
Credit Fraud
Identity Theft
Charge-Offs

Credit Repair – Debt Settlement – Identity Theft Restoration – Credit Monitoring – Debt Analysis – Bankruptcy Avoidance

"Debts out of control?"
"Wish your debts were chopped in half?"

"Our experts will negotiate your debts"

Why Debt Arbitration may work for you.

Canada Credit Fix Inc. is a leader in the debt negotiation industry providing innovative, progressive debt elimination solutions for Canadians coast to coast.
If you are struggling with financial hardship cause by large un-paid debts, our unique private debt settlement agency solely represents your interests, and encourages education and responsibility which allows you to make informed, timely, logical decisions in retiring and negotiating your balances.

Have our debt settlement experts help get your bad debts chopped down to manageable, payable and affordable amounts! We will contact your collectors, creditors and debtors and negotiate a settlement for you. Some collection agencies will accept as low as 10% of the original debt amount.

Stop the phone calls and harassment NOW!!

Is your bad credit catching up to you? Are you sick of the collectors calling, and harassing you and your family? We can help you make it stop NOW!

Don't file bankruptcy!

Bankruptcy may leave irreversible scars and damage to your credit report. These blemishes may continue to report for 6 to 7 years and sometimes even longer in some cases. Bankruptcy Trustee's commonly DO NOT work for you.

Unlike bankruptcy!

Because we are both a debt settlement and credit repair agency. We may also be able to negotiate revisions and restoration of your credit report. All those errors preventing you from getting new credit or that consolidation loan could simply vanish!

Erase Debt

You could save thousands of dollars.
You could reduce your monthly payment.
You could cut your by 50% or more.
You could save your credit.
You could save your sanity.

"Stop the Phone Calls"
"Are you sick when the door bell rings?"
"Afraid to get your mail?"

Part of our service is to deal with your collectors for you. We will immediately serve the collectors and creditors a "Cease and Desist" document restricting them from contacting you directly We can help you repair your bad credit and settle your bad debts FAST!
Credit Repair – Debt Settlement – Identity Theft Restoration – Credit Monitoring – Debt Analysis – Bankruptcy Avoidance

"Tired of being turned down?"
"Can't get a car loan or mortgage?"
"Want credit cards now?"

"Put your score through the roof"

Optimizing your Credit score

Lenders base underwriting decisions on the content of your credit report along with the value of your Credit Score. Rebuilding your credit will improve your Credit Score. Optimizing your Credit Score involves a thoughtful reshaping of the content of your credit report; the number of trade-lines, current account balances, and the mix of credit types can have a dramatic impact, yet without proper attention and knowledge you could be negatively impact your credit.

Start now!

The goal of our credit restoration professionals, is to help clean up your credit report, optimize your score, and leave you with truly usable credit. You will want to start as soon as possible! as this process can be time consuming and methodical. Even if you were approved today for new credit cards and loans it still takes time for them to show up and affect your score on your credit report. Most banks and lenders want to see a reasonable payment history on your new credit. So Start today!

Let us help re-build your credit for you! We make it easy for you to find cooperative preferred companies who want to do business with you. check out our Credit Builders program of recommended affiliate partners.

The Facts About Credit Build

getting restarted again after having bad credit can sometimes make your credit worse. Almost every time you apply for new credit there is someone pulling your credit. Too many credit checks will lower your score! This is why we have assembled a directory of companies, agencies and lenders that are used to dealing with credit issues and understand your file. Lesson number one is always go where you know you will get approved or your chances are higher!

Most mortgage companies like to see at least 3 credit lines.

Even if your limit is small it pays to have both the visa, master card as well as a small loan. We only recommend agencies that report to credit bureau's. There is no sense in building credit if it is invisible.

This link is free! You will not pay us a cent to use our directory.

Click ahead! Feel free to use any of our recommended resources. You will not be billed by us.

Recomended Resources

"Nothing is Worst then Doing Nothing"

Canada Credit Fix Inc is now offering its "Foreclosure and loss mitigation program" to the Canadian mortgage lenders, insurers and consumers coast to coast. Canada Credit Fix has designed a program that could see as many as 85% of all Canadian foreclosures become avoidable. With their exclusive mediation and loss mitigation system being implemented both the lender and the consumer can come to a fair and reasonable action that can see people keeping their homes and avoiding foreclosure. This process converts into endless millions of dollars saved by banks, insurers and most important Canadian homeowners. The current system is a complete failure that is clearly proven by the scorching high amount of deficiency judgements and record loss claims made by mortgage lenders to CMHC and Genworth. The "wait and see" approach to the economy is no longer, nor has it ever been a good excuse not to mitigate losses.

Canada Credit Fix mitigating arrears and default between the lender and the homeowner will insure that settlements are fair, unbiased and most of all ethical and in everyone's best interest. The first problem with the current system in Canada is that mortgage lenders and the distressed homeowner often lack the proper communication skills or tools to resolve matters and resolution soon becomes a stalemate not to mention a conflict of interest. Often the relationship between the lender and the consumer may have become tarnished through hardships and financial stress.

Much like any divorce there usually needs to be a 3rd party mediator due to the high level of emotions involved in order to come to a reasonable settlement. The second problem occurs when matters end up on a lawyer's desk and down the path of inevitable repossession. Within days of the lawyer "touching" the hardship file the already behind homeowner may now be further behind by over $3000 because of the expensive cost of legal fees, inspection fees, appraisals, application costs etc. The real problem lies when the customer now has the $5000 mortgage arrears, but not the new balance of $8000 and now the lender has essentially created a foreclosure loss. Any intelligent businessman can see that the lawyer's role in a foreclosure file will almost always be a conflict of interest with the homeowner's position. Let's face it the lawyer's bill will get paid no matter what from either the lender or the homeowner. The fact is we need the lawyer only if this file cannot be resurrected! Do we really want the homeowner spending his money on frivolous legal fees or catching up the arrears and preventing the foreclosure? Having a foreclosure on a credit report has long-term, devastating effects to consumers later in life. Since a foreclosure will remain on a credit report for 6 to 7 years, and may reduce a credit score by more than 200 points, it is important to work out loss mitigation services early on and not wait. Loss mitigation has a much more favourable outlook for long-term financial health.

"Analyzing Your Credit Report"

Lenders base underwriting decisions on the content of your credit report along with the value of your Credit score. Rebuilding credit will improve your scores Optimizing your score involves a thoughtful reshaping of the content of your credit report; the number of trade-lines, current account balances, and the mix of credit types can have a dramatic impact, yet without proper attention this potential remains untapped.

Fixing Credit is only half the job

With your paid membership we will provide you with 12 months of credit analysis, your file continually to insure and monitor changes and revisions have taken effect. after all there is no sense in removing errors and mistakes if your score is not going to change.

How we analyze your credit report

Your credit report contains all information regarding your financial health as well as personal content. It is your credit report that is being viewed by the creditor every time you apply for a loan or mortgage. It becomes crucial for us to analyze your report on a monthly basis. The credit report can be divided into the following sections.

Personal information: This section serves the purpose of identification; contains your name, alias, address, current and previous employers and SIN (Social Insurance Number). It may so happen that you find more than one spelling of your name or wrong addresses. That is because it has been reported that way by the creditor. Although minor...... something as simple as spelling errors can be more troublesome than you think.

Payment history: This section would contain information regarding the type of accounts both revolving and/or otherwise, names of the creditors and most importantly your payment pattern. This section is the most important part of your report because this is the part the creditors would look into.

You may find the following categories listed in it.

Creditor's names: This section would list out the lenders, the credit card companies, banks, mortgage and auto loan lenders, who are reporting your payment history to the credit bureaus.
Account number: Of course, the account numbers would be listed beside the creditors. You may have more than one account with a certain creditor. This section would also list the nature of the account.
Account details: The account detail section would include information like,
Date when the account was opened
Status of the account- open, revolving, instalment etc.
Delinquencies
Derogatory/ charge-offs
Balance
Credit limit Terms for instalment loans and Period reviewed in the report
Collection activities: Next which comes in line is information regarding collection activities. This section lists out the accounts that have been with the collection agencies and reported by them to the credit reporting agencies over 7 years.
Public information: This section comprises of those items which can cause the most damage to your financial future. It contains information on bankruptcy, judgment and liens. So, you may take utmost care to keep this section clean.
Credit inquiries: The credit report also includes information on credit inquiries. There are 2 types of inquiries visible on your report.
1. Hard inquiries - Inquiries that are made by creditors with whom you have applied for loans.
2. Soft inquiries - These are made by companies that want to send you promotional information or pre approved offers.

Start now!

The goal of a credit restoration professional is to help clean up your credit, optimize your scores, and leave you with truly usable credit. You will want to start as soon as possible! Even if you were approved today for new credit cards and loans it still takes time for it to show up and report on your credit report. Most mortgage lenders want to see some history as well. So Start today!

"We Can Monitor You - Full Time"
We Have You Covered

FACT- Most people that are victims of credit and identity fraud have no idea until it is too late! In many cases consumers only find out months or years after the crime!

Identity theft and credit fraud are becoming the largest criminal problems of the "new computer and information era". Everyday thousands of families and individuals are having their credit, finances and lives destroyed and don't even know it is happening! Don't let this happen to you!

24 hours a day, 7 days a week and 365 days a year we will be there for you! Let us protect you around the clock from malicious attacks against your credit! Our highly trained specialists are there to identify anything abnormal or unusual. We offer protection that few others offer. We are not a computer system; we are live experts that know exactly what to look for. You will know that you are in good hands and can communicate with one of our consultants anytime day or night.

Consider our service as a security system on your credit! You are in control of when we do our inspections just like setting the alarm. We will report in full any items or abnormalities that look unusual or suspicious. Much like your latest spyware and virus protector on your computer we are up to date with the worlds most used and malicious scams and fraud alerts.

Being a Member Pays Because We have you covered! Don't pay 1 cent more!

Dont go unprotected!!!!

Below are some 11 tips you can follow to help secure and protect your personally identifiable information and ensure that your identity or your credit have not been compromised. As you can imagine, our Canada Credit Fix examines many files every week where credit fraud or identity theft has claimed another victim. These tips will guide you and help you prevent being preyed upon by the scammers and predators that prey on the innocent.

1. Watch for shoulder-surfers.: When entering a PIN number or a credit card number in an ATM machine, at a phone booth, or even on a computer at work, be aware of who is nearby and make sure nobody is peering over your shoulder to make a note of the keys you’re pressing.
2. Require photo ID verification.: Rather than signing the backs of your credit cards, you can write “See Photo ID”. In many cases, store clerks don’t even look at the signature block on the credit card, and a thief could just as easily use your credit card to make online or telephone purchases which don’t require signature verification, but for those rare cases where they do actually verify the signature, you may get some added security by directing them to also make sure you match the picture on the photo ID.
3. Shred everything: One of the ways that would-be identity thieves acquire information is through “dumpster-diving”, aka trash-picking. If you are throwing out bills and credit card statements, old credit card or ATM receipts, medical statements or even junk-mail solicitations for credit cards and mortgages, you may be leaving too much information lying about. Buy a personal shredder and shred all papers with PII on them before disposing of them.
4. Destroy digital data.: When you sell, trade or otherwise dispose of a computer system, or a hard drive, or even a recordable CD, DVD or backup tape, you need to take extra steps to ensure the data is completely, utterly and irrevocably destroyed. Simply deleting the data or reformatting the hard drive is nowhere near enough. Anyone with a little tech skill can undelete files or recover data from a formatted drive. Use a product like ShredXP to make sure that data on hard drives is completely destroyed. For CD, DVD or tape media you should physically destroy it by breaking or shattering it before disposing of it. There are shredders designed specifically to shred CD / DVD media.
5. Be diligent about checking statements: This actually has two benefits. First, if you are diligent about checking your bank and credit statements each month, you will be aware if one of them doesn’t arrive and that can alert you that perhaps someone stole it from your mailbox or while it was in transit. Second, you can ensure that the charges, purchases or other entries on the statement are legitimate and match up with your records so that you can quickly identify and address any suspicious activity.
6. Pay your bills online.: Never leave your paid bills in your mailbox to be sent out. A thief who raids your mailbox would be able to acquire a slew of critical information in one envelope- your name, address, credit account number, your bank information including the routing number and account number from the bottom of the check, and a copy of your signature from your check for forgery purposes just for starters. Many of today’s modern companies and corporations are able to be paid simply online from your secured banking site.
7. Limit the information on your checks.: It may be convenient to have your driver’s license number or social security number imprinted on your personal checks to save some time when you write one, but if it falls into the wrong hands it reveals too much information. In fact, some recommend that you only include your first initial in the name space of your check, such as “D. Smith” rather than writing out “David Smith” so that if someone did get one of your checks they would not know your full name.
8. Have an expert analyze your credit report on a regular basis.: This has always been good advice, but it used to cost money, or you had to first be rejected from receiving credit so that you could get a free copy. Now it is possible to get a free look at your credit report once per year. The big two credit reporting agencies (Equifax and TransUnion) provide free credit reports to consumers once a year. You should have us review it with you, to make sure the information on it is accurate and also make sure that there aren’t any accounts on there that you aren’t aware of or any other suspicious entries or activity.
9. Protect your Social Security number.: I don’t personally believe in Social Security or any attempts to repair or reform it. I have no illusions that it will actually be around to pay me when I retire. But, whether that comes to pass or not, the Social Security Number has become the one thing they had always promised it wouldn’t- a sort of national identification number. It is often suggested that you do not carry your Social Security in your wallet with your driver’s license and other identification. For one thing, although they expect it to last your whole life, the Social Security card is issued on very flimsy cardboard that doesn’t hold up well to wear and tear. Aside from that though, knowing your full name, address and full Social Security Number, or even the last 4 digits in many cases, can let a thief assume your identity. You should never use your Social Security Number as any part of a username or password that you establish and you should never divulge it to telephone solicitors or in response to spam or phishing scam emails either.
10. Online Purchases: You can feel relatively secure doing business online with Amazon.com or BestBuy.com or any web site affiliated with well-known, national or global merchants. But, if you are buying something online you need to have some level of trust that the company you are doing business with is legitimate and that they take the security of your personal information as seriously as you do. When you do make online purchases, read the companies online privacy policy first to ensure you agree with it and make sure you are on a secure or encrypted web site.
11. Identity Theft Insurance.: You can rest easy when you know you are covered. Identity theft insurance is one of those policies that most people do not even know about. Your membership with Canada Credit Fix Inc. includes 12 full months of identity theft insurance for up to $25,000 of losses. These days hundreds of thousands of Canadians are becoming victims of credit fraud and identity theft why take the chance of being financially ruined by predators that prey upon the innocent.