Repair Your Credit.
Pay Only After
We Get Results.
Authorized to dispute with both Canadian credit bureaus
Bad credit holds Canadians back.
We fix that.
One in five Canadians has at least one error on their credit report. Many more carry delinquent items that should be disputed, expired, or corrected — but nobody has shown them how.
What hurts your credit
- ❌ Errors on your Equifax or TransUnion report holding your score down
- ❌ Old collection accounts still showing after the 7-year window
- ❌ Late payments from years ago blocking your mortgage approval
- ❌ Duplicate accounts or debts that aren't even yours
- ❌ No credit history as a newcomer to Canada
What ClearPath does for you
- ✓ Full dual-bureau audit — Equifax and TransUnion reviewed side by side
- ✓ Formal dispute letters sent to both bureaus and the original creditors
- ✓ Goodwill letters to creditors requesting removal of late payment notations
- ✓ Debt validation requests for collection accounts — many are unverifiable
- ✓ Credit-building roadmap: secured cards, builder loans, utilization strategy
Every step is documented in a written agreement. You pay only after we produce a measurable improvement — as required by Ontario law.
"We sat down with a ClearPath advisor and finally understood what was on our credit file — and what we could do about it."
Ontario client — mortgage approved 6 months after starting their file
Every tool we use to rebuild
your credit file
We work across both Canadian bureaus, using proven dispute processes, creditor negotiations, and personalized coaching — all in writing, all compliant with the Ontario Consumer Protection Act.
Dual-Bureau Credit Audit
We pull and compare your full Equifax and TransUnion reports side by side — identifying every error, outdated account, wrong balance, re-aged debt, and identity mix-up.
Formal Dispute Filing
We draft and submit dispute letters to Equifax, TransUnion, and the original creditors using the correct legal framework — the process most Canadians get wrong.
Goodwill & Negotiation Letters
For late payments where accounts are now current, we write goodwill removal requests directly to creditors — many agree to update your record, which can move your score significantly.
7-Year Delinquency Removal
Negative items that haven't automatically dropped after 7 years are a common problem. We file the correct requests to have overdue items removed when they've exceeded the reporting window.
Debt Validation Requests
Collection agencies are legally required to prove a debt is valid and still within the reporting window. Many cannot — and when they fail to validate, the item must be removed.
Credit-Building Roadmap
Disputing errors is only half the job. We give you a personalized plan: secured credit cards, credit-builder loans, utilization coaching, and authorized-user strategies to grow your score long-term.
Every service is delivered under a written agreement as required by the Ontario Consumer Protection Act. Fees are charged only after a material improvement to your credit report — never upfront.
From first audit to better score —
here is how it works
Four clear steps, no surprises, and every one is backed by a written agreement you can cancel within 10 days.
Free Credit Audit
Book a free 30-minute consultation. We pull your Equifax and TransUnion reports, review every account, and identify every error, outdated item, and opportunity.
You Review & Sign
We present a clear written agreement — as required by Ontario law — outlining exactly what we'll dispute, what a successful outcome looks like, and how our fee is structured.
We File & Follow Up
Our team submits formal disputes to both bureaus and, where needed, directly to creditors and collection agencies. We track every response and follow up until resolved.
You Pay After Results
Once a material improvement is confirmed on your credit report — a removal, correction, or score increase — that is when our fee is triggered. Not a day before.
No payment required until we deliver results — guaranteed by Ontario law
Real people. Real scores.
Real results.
Results vary based on each individual credit file. These are client-reported outcomes following our dispute and repair process.
"I had a collection account that was 8 years old still on my file. ClearPath filed the right paperwork and it was gone in 45 days. My score jumped 87 points."
Marcus T.
Brampton, ON
"As a newcomer to Canada I had no credit history at all. The team set me up with a secured card strategy and a builder loan. Within 14 months I had a 710 score."
Priya S.
Mississauga, ON
"We were trying to buy our first home and had three late payments from 2018 dragging us down. ClearPath got two removed and disputed a balance error. We got our mortgage."
David & Christine R.
Hamilton, ON
"I didn't even know a collection account was on my report. It wasn't mine — someone else's debt with a similar name. ClearPath disputed it as an identity error and it was removed."
Fatima A.
Ottawa, ON
Individual results may vary. Credit repair outcomes depend on the specific errors and negative items present in your personal report. ClearPath Credit does not guarantee specific point increases.
Honest answers to questions
Ontarians ask us most
Is credit repair legal in Ontario?
Yes — credit repair is a regulated service in Ontario under the Consumer Protection Act. We operate fully within that framework: every client receives a written agreement, there are no upfront fees, and you have a 10-day right to cancel without any reason or penalty.
How does the 'no upfront fees' rule work?
Ontario law prohibits credit repair companies from charging any fee before producing a material improvement to your credit report. We only invoice you after a negative item is removed, an error is corrected, or another measurable improvement is confirmed. This is the law — and it protects you.
Can you really remove 7-year-old delinquent items?
Many negative items should automatically drop from your report after 6–7 years under Canadian bureau rules, but sometimes they don't. We file the appropriate requests to have overdue items removed when they have exceeded the reporting window. Results depend on the specific item and bureau, but this is a common and often successful dispute.
Which credit bureaus do you work with?
We work with both major Canadian credit bureaus — Equifax Canada and TransUnion Canada. We pull your full report from each, compare them side by side, and file disputes with both simultaneously. Many clients don't realize their reports differ between bureaus.
How long does credit repair take?
Credit bureaus in Canada have 30 days to investigate and respond to a dispute. Simple corrections can happen faster; complex disputes involving original creditors or collection agencies may take 60–90 days per round. We track every dispute and follow up so you don't have to.
Can you help newcomers to Canada with no credit history?
Absolutely. Newcomers to Canada often face a frustrating gap — no local credit history, even with a good history abroad. We provide a tailored credit-building roadmap: secured credit cards, credit-builder loans, utilization coaching, and authorized-user strategies. Many clients go from no score to 700+ within 12–18 months.
What if I am planning to apply for a mortgage soon?
This is one of the most common reasons clients come to us. We prioritize the items most likely to affect a lender's decision: outstanding collections, high utilization, and incorrect derogatory items. We recommend starting the process at least 3–6 months before your planned application for the best results.
What is in the written agreement I sign?
Your written agreement — required by Ontario law — includes: a clear description of each service we will perform, what constitutes a successful result for that service, our fee structure (triggered only on results), and your 10-day cancellation right. You keep a copy. There are no hidden terms.
Have a specific question about your file?
Book a free 30-minute consultation
Your better credit score
starts with one phone call.
Book a free 30-minute audit. We review your Equifax and TransUnion reports, identify every error and opportunity, and show you exactly what we can do — before you sign anything.