Credit Repair

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.


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:

  • how to manage your credit score
  • what kinds of credit cards to get when rebuilding credit
  • how to get a free copy of your credit report and fix mistakes on your report
  • how to establish new credit accounts, and so much more!

Want to learn more about credit repair? Read our blog posts or enroll in our Free Credit Rebuilding Course.

Learn how to rebuild your credit. Get a step-by-step plan on how to build a positive credit history and improve your credit score with our free online video course.

Enroll for Free

What Are Credit Bureaus in Canada & How Do They Work?

You're probably familiar with Canada's credit bureaus already. After all, they provide you with your credit report. But how do credit bureaus collect your information and what more should you know about credit reporting agencies? Scott Schaefer explains in this post.

Credit Cards After Bankruptcy: What You Need to Know

We know it can be hard to go without a credit card when you file a bankruptcy or consumer proposal. We explain whether it's a good idea to get a credit card during your filing or immediately after and if you do get a card, which credit card issuers are best to start with.

How to Repair and Rebuild Credit

Repairing your credit report after insolvency or small financial mistakes can be difficult if you don’t have the right tools. We’ll explain 5 steps you need to follow to successfully repair your credit on your own.

The Big Credit Score Scam

Yes you need a credit score to apply for a loan, but as Ted Michalos explains, credit scores and credit bureaus are there to benefit lenders and themselves and why you should be aware of how they work.

Is a Bad Credit Score Good for You?

What is the significance of a good credit score? Is having a low score really bad? Our experts explain credit scores, when a poor score may be okay and the downfalls of credit repair companies.