You don’t need to pay a credit repair company or service to fix your credit report or rebuild bad credit. It is possible to repair your credit score on your own, even if you file a bankruptcy or consumer proposal.
You can begin the process of rebuilding bad credit with the steps and tips provided by our experts in our new Credit Repair Course.
TRY OUR FREE CREDIT REPAIR COURSE
At Hoyes Michalos we’re here to help. We know rebuilding credit is a top concern for our clients. That’s why we built an entire video course to help you understand how credit scoring works and how you can rebuild. The course is entirely free, with short, easy-to-digest videos. Doug Hoyes provides practical information on:
Want to learn more about credit repair? Read our blog posts or enroll in our Free Credit Rebuilding Course.
A credit report outlines your unique financial history. Find out what information may be damaging to your report, how long it affects your credit and how to make improvements to your credit moving forward.
Your credit history directly affects your credit score and report. Our guide explains what you need to know about credit history, how it affects your ability to borrow and how to manage it.
Your credit report is a report card on your credit activity. While you can get a free copy of your credit report from many sources, not all credit reports are the same and not all... Read more »
It is a good idea to check your credit report every year. It is not uncommon for there to be mistakes and omissions on your credit report, and these errors can cost you by increasing... Read more »
Your credit rating is a score assigned to you that tells a potential lender how much of a credit risk you are. Understanding a little about how your credit rating works can help if the process... Read more »
It’s easy to get dejected if your credit score isn’t where you want it to be. But just because you have a low score today, it certainly doesn’t mean that you’re stuck with it for... Read more »
Reviewing your credit report at least once a year is part of a healthy financial routine. What you should be on the lookout for is errors or out-of-date information. Why you should check your credit... Read more »
Bankruptcy is designed to eliminate overwhelming debt and reset your finances. One of the most common concerns I hear is: “How long does it take to get my credit back after my bankruptcy or consumer proposal... Read more »
We receive a lot of comments on our Facebook page from individuals struggling with debt who are afraid to consider something like a bankruptcy or consumer proposal because it will have a negative effect on... Read more »
I have received a significant number of calls from existing clients asking for my opinion on a variety of credit repair loan companies that offer loans to “automatically build up your savings” and/or to “improve... Read more »
Most people know that to qualify for a loan they need a good credit history and reasonable ‘credit score’. They also know that their credit score is something provided by the major credit bureaus. In Canada... Read more »
Credit scores are a way for a lender to assess how well you handle debt. To be able to set a credit score, the credit bureaus need information about credit use. This leads to a... Read more »
Uncollected taxes in Canada are estimated to be almost $50 billion. This means many Canadians are stuck with tax debt. Are you unable to pay your taxes right now? If this is the case, you... Read more »
The saying that ‘there is no such thing as a free lunch’ is a truism all consumers should consider whenever they are offered something for free. This especially holds true with lenders like Borrowell now... Read more »
Today on Debt Free in 30 I talk with mortgage agents Michael Smele and Bev Gay about whether it’s possible to buy a house after, or even during, a personal bankruptcy or consumer proposal. They each... Read more »
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