A clear, step-by-step approach to understanding your credit, reviewing your reports, and taking informed action using education, tools, and self-service resources.
Complete our simple application form in under 10 minutes. No credit check required to join.
Get instant access to the full member portal: courses, templates, tools, and trackers.
A 2-minute educational self-assessment returns a 0–100 readiness estimate plus an action plan tailored to your file. No credit pull.
Work through your action plan: course modules, dispute templates, trackers, and free tools to take real next steps.
When the time is right, browse independent third-party providers (loans, credit cards, secured cards, credit-builder, consolidation). You decide what to share, on their site.
Credit improvement takes time and consistent effort. Here's a realistic timeline.
Learn the basics, review your credit reports, identify errors, and send your first round of disputes.
Receive investigation results from the bureaus. Some items may be updated or corrected following their review. Prepare follow-ups for unresolved items.
Send follow-up disputes or escalations yourself. Continue reviewing progress and addressing remaining items.
Monitor your reports, dispute new errors as they appear, and maintain your improved credit.
Everyone's credit situation is different. How much your score improves depends on what's currently on your report and whether disputed items are legitimately inaccurate. We cannot guarantee specific results.
Credit Group provides education, templates, and tools—but you're the one sending letters and making calls. This is a DIY system, not a done-for-you service.
Disputing inaccurate information on your credit report is your legal right under Canadian law. Our system teaches you how to exercise that right properly and effectively.