Who we can help

The downturn in the economy has created more people with ‘bad credit’ for a number of reasons. Loss of job, not following a budget, over spending, under achieving expectations, health issues, divorce or separation even bankruptcy are reasons someone one may have a bad credit rating.

In these cases traditional lending institutions have a policy not to lend to anyone falling outside of their good credit area.

Living with bad credit is possible, but it’s tough. Bad credit makes things difficult, impossible and more expensive. For example, did you know insurance companies often charge a higher interest rate for drivers that have bad credit scores? ICBC requires people to pay in advance if there have been previous problems. If you're getting new utilities turned on in your name, the company will check your credit to decide whether you should pay a security deposit. We all know that banks check credit scores before they give you a credit card or a loan. As years go by, the list of companies who check your credit will probably grow instead of shrink.

That’s why it’s a good idea to start repairing your credit. That’s where we come in.