Pricing
Start with the evaluation. Add the Season if you want us beside you for every letter and every reply. Every price is the whole price; nothing is hidden.
Have your two free credit reports? Start in minutes. Don't have them yet? →
01 · THE EVALUATION
One payment. Both reports read, every line explained, your province's rule beside each item. No letters.
The $99 comes off the Season or the Cup if you go on.
See the evaluation02 · THE SEASON
The full service: every letter, every round, with reply tracking and mailing.
03 · THE CUP
Everything in the Season, with more people and more review.
You bring your two credit reports. Every plan starts with the reports you get yourself from Equifax and TransUnion. Getting them is free, and it is not part of any plan. How to get them free →
Prices in Canadian dollars, tax extra. We are not a credit repair service. We cannot remove accurate information and we never promise a score change, an approval or a removal. You read every letter and you send it, or approve it for us to post.
SIDE BY SIDE
The evaluation is the reading; every step after that is yours. The Season and the Cup take each of those steps with you, round after round, until each item is answered.
| THE STEP | Evaluation$99 | Season$995 | Cup$2,495 |
|---|---|---|---|
Get your two credit reportsWhy it mattersEquifax and TransUnion each keep their own file on you, and they often differ. Both are free to get; the steps are further down this page. | You do it Free from Equifax and TransUnion | You do it Free from Equifax and TransUnion | You do it Free from Equifax and TransUnion |
Read every lineWhy it mattersCodes and short forms become plain words, and your province's rule sits beside each item, with a link. | We do it Both reports, plain words, the rule beside each item | We do it Both reports, plain words, the rule beside each item | We do it Both reports, plain words, the rule beside each item |
Draft the lettersWhy it mattersA bureau may answer, ask for more, or change only part of a line. The Season keeps drafting until each item has an answer. | Not included Letters start with the Season | We do it with you Every round, until each item is answered | We do it with you Every round, and letters to lenders when they must fix it |
Check each letterWhy it mattersA second pair of eyes catches a wrong account number or date before the letter goes out. | Not included No letters in the evaluation | We do it with you A person reads each one before it goes | We do it with you A person reads each one, and a second review after the answers |
Print and postWhy it mattersWe print, mail and keep proof of mailing, so you always know what was sent and when. | Not included No letters in the evaluation | We do it We post what you approve, tracked | We do it We post what you approve, tracked |
Read the bureau's replyWhy it mattersEach reply is read and explained in plain words, and the next letter is drafted if one is needed. | You do it You decide the next step | We do it with you We read it and draft the next step | We do it with you We read it and draft the next step |
Questions along the wayWhy it mattersThe assistant answers in English or French. In the Season and the Cup, a person on your file answers too. | We do it The assistant, during the evaluation | We do it with you The assistant and a person, all season, EN and FR | We do it with you The assistant and a person, with calls as needed |
Open any step to see why it matters. No plan can remove accurate information or promise a score change, an approval or a removal.
Before you start
Every plan starts with your own Equifax and TransUnion reports. You get them yourself, straight from each bureau, at no cost. Then you upload them here.
“You can access your credit report online for free from Canada’s 2 main credit bureaus.”
Financial Consumer Agency of Canada, Ordering your credit report →
ONLINE · EQUIFAX CANADA
Make a free account on Equifax Canada’s site, then download or print your report.
Equifax Canada →ONLINE · TRANSUNION CANADA
TransUnion calls it the Consumer Disclosure. It is free; download or print it.
TransUnion Canada →BY MAIL OR PHONE · BOTH
Mail each bureau its request form with copies of 2 pieces of ID, or call and answer identity questions. Equifax 1-800-465-7166 · TransUnion 1-800-663-9980.
Forms and steps →Steps, links and phone numbers from the Financial Consumer Agency of Canada, page dated 1 July 2026.
Tick each one as you go.
0 of 4 ready
Tick the list as you go; you can upload any time.
Yes. The $99 comes off the Season or the Cup if you go on.
No. The evaluation is the reading. Letters come with the Season or the Cup.
Yes. Lenders can pull either bureau, and the two reports often differ.
No. Prices are in Canadian dollars, tax extra.
Upload your two reports and see every line in plain words. Choose the evaluation, the Season or the Cup when you are ready.
English or French. Your details are blacked out on screen.