Every line, in plain words
Each code on both reports explained the way a friend would, with the bureau's own definition linked.
We read both reports.
You see every line..
$99
One payment. You get your own Equifax and TransUnion reports and upload them. We read both: every item in plain words, your province's rule beside it, the items worth questioning flagged. The $99 comes off the Season or the Cup if you go on.
We are not a credit repair service. The evaluation is the reading; letters start with the Season.
Upload your reportsStep 1 of 3
Drop your Equifax PDF herePDF or photo · your details are blacked out on screen
TransUnion report · received12 items
Reading your Equifax report…
Assistant
Both reports are in. 2 items look different between the bureaus. I'll show you the rule for each one and flag what is worth questioning.
What's inside
Everything you need to know where you stand.
The rule beside each item
Your province's law, with the link. You see why an item may be questioned, or why it stays.
Where the bureaus disagree
Items that show on one report and not the other, or with different dates and amounts, side by side.
What is worth questioning
A short list of the items that may be wrong or out of date, each with the rule that applies. No letters at this stage; letters come with the Season or the Cup, and your $99 comes off.
How it goes
Three steps. Your pace.
STEP 1
Get your two free reports
Equifax Canada and TransUnion Canada each let you request your own report. We show you where, on the pricing page.
STEP 2
Upload them here
PDF or photo. Your name, address and account numbers are blacked out on screen. Our team can open your file to help you. Every look is logged and you can see the list in your Account.
STEP 3
Read the evaluation
Every line explained, the items worth questioning flagged. Go on to the Season or the Cup when you are ready; the $99 comes off.
STRAIGHT TALK
What $99 does not buy.
Anyone who sells these is selling something that cannot be sold.
- Letters. The evaluation is the reading; letters come with the Season or the Cup.
- Removal of accurate information. Nobody can do that.
- A promised score change, approval or removal.
- A number we call your credit score.
Before you start.
Is $99 the only cost?
For the evaluation, yes. Letters are part of the Season ($995) and the Cup ($2,495); if you go on to either, the $99 comes off.
Do you get my reports for me?
No. You request your own reports from Equifax Canada and TransUnion Canada; we show you where. You upload them here and we read them.
Do I need both reports?
Yes. Lenders can pull either bureau, and the two reports often differ. The evaluation only makes sense with both.
What if nothing is wrong?
Then you get a plain-words reading of a clean file. We will tell you that plainly.
Is it in French?
Yes. The evaluation is available in English and French.
The evaluation
$99
Both reports, every line, the rule beside each one. Credited if you go on to the Season or the Cup.