Dr.Credit | Canada

Structured credit optimization, without impossible promises.

Dr.Credit helps clients review their Equifax and TransUnion credit reports, identify inaccurate or outdated information, prepare dispute packages, track bureau responses, and build a personalized credit improvement plan.

Credit report audit Dispute preparation Personalized rebuild plan

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Dr.Credit does not guarantee score increases or removal of accurate negative information. The work focuses on reporting accuracy, documentation, response tracking, and stronger habits.

Canadian bank note beside a leather wallet

The simple path

1 You see the price

2 You submit the form

3 We tell you what should happen next

Promise a clear path, not a novel before you know the price

Positioning

A structured advisory firm for clients who want real review, not copied-and-pasted letters.

We do not sell aggressive promises or miracle language. We build a clear sequence: assess, verify, correct when justified, then strengthen the client's credit structure when progress must come from strategy instead of dispute.

That creates a more premium service experience and helps the brand attract serious clients who want guidance that feels calm, disciplined, and credible.

Audience financing candidates, stressed clients, rebuilding cases

Promise clarify the path instead of selling shortcuts

Dr.Credit method

A flow designed to keep the client moving without skipping the professional review.

We read before we sell.

The audit is the entry point. We review the reports, documents already received, statuses, dates, balances, and possible reasons for correction.

We separate correction from rebuilding.

A release, proof of payment, or wrong status may support a correction. An accurate file usually needs a rebuilding strategy instead.

We prepare requests that sound human.

Bureau requests explain the context, the item to verify, the evidence available, and the correction requested. No threats, no guarantees, no generic copy.

Structured review clear reading of reports and uploaded documents

Human-approved no bureau submission without final review

Document-backed each request connects to evidence or a real inconsistency

Core services

Services designed to correct, rebuild, and prepare a stronger credit profile.

Primary service

Credit file audit and correction

For clients with reporting that appears inaccurate, incomplete, or poorly updated.

Equifax and TransUnion review
validation of balances, statuses, and late marks
duplicate or mixed-file review
documentation and dispute support
follow-up planning after updates

Advisory

Credit rebuilding plan

For clients whose file is mostly accurate but whose score is held back by structure or behavior.

utilization reduction strategy
payment priority planning
rebuilding with appropriate products
mortgage or auto financing preparation
private monthly follow-up

Audit

Complete file review

bureau analysis
risk and pressure summary
priority planning around the client's goal

Correction

Dispute support

letters and document sequence
proof support for wrong balances or statuses
follow-up coordination

Rebuild

Active credit coaching

utilization reduction strategy
payment discipline plan
healthier credit structure

Preparation

Pre-financing review

mortgage preparation
auto application cleanup
timing review based on deadlines

Step 2 | Pricing

Choose the starting point. The private audit opens the file.

Private review

Private audit

$149

The clean starting point: we read the file and tell you whether correction, coaching, or both make sense.

review of both bureaus when available
clear correction vs coaching decision
first paid step before deeper work

Start with the audit

Flagship service

Guided correction

$525

For files that have a real correction basis after the audit and useful documents to support the request.

correction strategy
human, evidence-backed bureau requests
two file follow-ups

Qualify my file

Ongoing support

Monthly coaching

$189/mo

For rebuilding the profile when the reporting is accurate, but the strategy needs to improve.

monthly action plan
private follow-up
adjustments around the client's goal

Assess coaching

Secure payment

You pay when the next step is clear.

The file starts with the form. Once the service is confirmed, payment can be sent through a secure link so the experience stays simple and professional.

Start assessment form

Validate confirmation of the recommended service

Pay secure link for the audit, correction, or coaching

Review

What we verify before recommending a solution.

Accuracy

late payments, statuses, balances, update dates, and consistency with documents

Structure

utilization, file depth, credit mix, and recent applications

Timing

what is recent, what is stabilizing, and what may affect a near-term goal

Objective

mortgage, auto financing, cleanup, rebuilding, or general profile improvement

Desk with charts, laptop, and calculator

Process

A clear path from intake to bureau response tracking.

Account and intake

The client provides identity details, contact information, current address, and objective.

Reports and proof

Equifax, TransUnion, and supporting documents are organized before the review.

Dispute plan

Every item is assessed for accuracy, proof, and the most realistic next step.

Tracking or rebuilding

Bureau responses are tracked; accurate damaging items become part of the rebuild plan.

Documents

The file starts with what can be read, proven, and verified.

Credit reports

Equifax and TransUnion are reviewed separately because the same item may report differently at each bureau.

Identity and address

Photo ID and proof of address may be needed to support corrections or profile updates.

Supporting evidence

Receipts, settlement letters, release letters, creditor emails, discharge documents, or fraud documents can strengthen a request.

SIN is not requested in the public form. If a specific file ever requires it, it should be handled later through a more secure channel.

Dispute tracker

Each item receives a category, an action, and a visible status.

What the audit looks for

inaccurate outdated duplicate paid but not updated identity issue needs more proof accurate but damaging not disputable

Package

What gets prepared

client information, bureau, creditor, or collector name
account number, dispute reason, and requested correction or deletion
supporting documents and date created
destination: Equifax, TransUnion, original creditor, or collection agency

Statuses

Where the file stands

New Under Review Proof Needed Dispute Drafted Sent Waiting Response Received Updated Deleted Verified Accurate Escalation Closed

For every file, the dashboard keeps reviewed, disputed, corrected, deleted, pending, verified, missing-document, and next-follow-up items visible.

Rebuild plan

When an item is accurate, we do not force a weak dispute. We rebuild.

Payment history

Stabilize payments and prevent active late accounts from continuing to damage the profile.

Utilization

Reduce revolving balances and monitor limits, especially before financing.

Account structure

Choose the right accounts, avoid unnecessary applications, and build healthier file depth.

Monthly tracking

Measure changes, adjust the plan, and keep the next action visible.

Important

We help clarify, document, and structure. We do not promise the impossible.

Dr.Credit does not guarantee score increases or the removal of accurate negative information. Our service focuses on identifying and challenging inaccurate, outdated, duplicate, incomplete, or unverifiable credit reporting, while helping clients build stronger credit habits.

Questions

The important objections deserve a clear answer.

Can a credit score actually improve?

Yes, but not magically. Improvement may come from correcting inaccurate information or from better structure: lower utilization, steady payments, time, and discipline.

Can Dr.Credit remove accurate negative information?

No. Accurate negative reporting may remain on a credit file under the applicable rules. The service focuses on inaccurate, outdated, incomplete, unverifiable, or incorrectly reported information, then creates a rebuild strategy when the reporting is accurate.

How are bureau requests prepared?

Bureau-facing requests are written in a human tone, supported by the client's documents, and reviewed before final submission.

How does payment work?

The audit is the paid entry point. Secure payments can be handled through Stripe, then correction or coaching services are proposed based on file qualification.

Step 3 | Start

Fill out the form. We will qualify the next move.

No need to write a novel. Give the basics, upload what you already have, and Dr.Credit will point the file toward the right next step.

Time required a few minutes

Useful documents reports, ID, proof of address

Response clear next step

Service Canada-wide

Starting point

Start my file

Add what you already have. If something is missing, we will only ask when it is actually needed.

Full name Date of birth Email Phone Province Address Previous address, if relevant City Postal code Goal Score range Credit bureau focus Reports already available Primary issue Documents to upload Upload PDF or image files only. For safety, documents such as Word files, ZIP files, scripts, and executables are not accepted. Attach Equifax, TransUnion, photo ID, proof of address, receipts, release letters, settlement letters, fraud documents, or creditor emails. SIN is not requested in this public form. If it is ever needed, it will be handled later through a more secure channel.

I consent to sharing this information for an initial evaluation.