Credit Repair Cost Canada
How much does
credit repair cost?
An honest breakdown of how credit repair is priced in Canada, what affects the cost, and what to watch out for when choosing a service.
How the industry prices
Two pricing models exist in Canada
Most common
Monthly subscription
A recurring monthly fee charged until you cancel. This model incentivizes the company to keep you enrolled as long as possible. Make sure there is a clear plan with defined milestones before signing up.
Our model
Flat fee
A single fixed payment for a defined scope of work. You know exactly what you are paying and what is included. No monthly charges, no open-ended commitments. Work is completed and you move on.
What drives the price
Four factors that affect what you pay
Number of items to dispute
A file with 2 collection accounts requires less work than one with 10 disputed items across both Equifax and TransUnion.
Age and complexity of the items
Older, more complex disputes (fraud, identity theft, creditor errors) take more time and follow-up than straightforward inaccuracies.
Whether creditors respond
Bureaus must investigate disputes within 30 days. When creditors are slow or unresponsive, the process requires additional follow-up rounds.
Flat fee vs. monthly model
Monthly subscriptions charge you every month until you cancel. Flat-fee services charge once for a defined scope of work.
Buyer protection
Red flags to watch for
Guarantees a specific score increase before seeing your file
Charges high monthly fees with no clear end date
Asks you to dispute accurate information
Promises results in an unrealistically short timeframe
Cannot explain exactly what they will do for your money
Common questions
Frequently asked
Can I do credit repair myself for free?
Yes. You have the legal right to dispute items on your credit report directly with Equifax and TransUnion at no cost. The challenge is knowing which items are disputable, how to write an effective dispute letter, and how to follow up when bureaus or creditors push back. Professional services exist for people who want the process handled correctly the first time.
Is there a difference between credit repair and credit counselling?
Yes. Credit counselling typically involves debt management plans and budgeting guidance. It focuses on managing what you owe. Credit repair focuses specifically on correcting inaccurate, outdated, or unverifiable items on your credit report. They address different problems.
How long does credit repair take?
The bureau dispute process in Canada runs on 30-day cycles. Most clients see meaningful results within 3 to 6 months, depending on the complexity of their file and how quickly creditors respond to bureau investigations.
What happens if a dispute is rejected?
A rejection is not final. Disputes can be re-filed with additional evidence. An experienced credit repair specialist knows how to escalate, reframe, and resubmit disputes that are initially denied.
Get a specific number
Every file is different.
Let's talk about yours.
On a free 15-minute call, we will review your credit report and give you an exact quote for what it will take to fix it. No obligation.