Fix inaccurate credit reports and stop creditor harassment
An Ontario credit law firm. We audit your Equifax and TransUnion files, then demand corrections in writing as counsel — with statutory deadlines, named consequences and a tracked file. Not a credit repair service.
No credit score guarantees. No gimmicks. Statutory dispute work supervised by a licensed Ontario lawyer.
What we examine
- Tradelines reported beyond the statutory retention period
- Discharged bankruptcies and completed consumer proposals still shown as active
- Duplicate reporting by both creditor and collection agency
- Personal identifiers, addresses and employment recorded in error
- Collection fees and notices that legislation does not permit
Ontario law firm
Supervised by a lawyer licensed by the Law Society of Ontario, with professional insurance.
Statutory deadlines tracked
Every demand carries a hard response date, and every date is diarised on your file.
Confidential by obligation
Solicitor-client confidentiality, encrypted storage and a private client portal.
No score guarantees
We pursue accurate reporting under the law. No gimmicks, no promised numbers.
Practice areas
Each mandate is handled as a legal file with a documented statutory basis, a tracked deadline and an audit trail.
Credit Report Inaccuracies
Obsolete, duplicated or factually wrong tradelines removed under consumer reporting legislation.
Read moreEquifax Canada Disputes
Formal statutory dispute correspondence and escalation where Equifax fails to correct your file.
Read moreTransUnion Canada Disputes
Investigation demands, reinvestigation deadlines and regulator escalation for TransUnion files.
Read moreCollection Agency Conduct
Unlawful contact, unverified debts and prohibited collection fees challenged in writing.
Read moreOriginal Creditor Disputes
Banks, telecoms and lenders held to their reporting accuracy obligations at source.
Read moreA disciplined four-stage process
Confidential intake and file review
Statutory discrepancy audit of your disclosure
Lawyer-reviewed dispute correspondence
Deadline tracking and regulator escalation
Ready to have your credit file reviewed?
Confidential, no obligation, reviewed by counsel.