Canadian Credit Consulting & Repair, Done Right.
One-on-one credit and funding consulting for Canadians, with Equifax and TransUnion Canada dispute support included at no extra charge. Rebuild after collections, late payments, consumer proposals and bankruptcy. Nationwide across Canada.
See ProgramsBook a Free CallHow It Works
A simple, transparent process built for the Canadian credit system.
Free strategy call
We talk through your goals and what is holding your credit back. No pressure, no obligation.
Full report review
We go line by line through your Equifax and TransUnion Canada reports to find errors, outdated items and anything that can’t be verified.
1-of-1 dispute letters
Every letter is written for your file and updated based on each bureau’s response. No templates. Track everything in your private client portal.
2 consulting calls with Oye
Two one-on-one funding and credit consulting calls to build your plan for approvals, credit cards and business funding.
Who We Help
If any of these sound like you, book a call.
New to Canada
No Canadian credit history yet? We show you how to build a strong file from zero, the right way.
After a consumer proposal or bankruptcy
Make sure your report is updated correctly and get a clear rebuild plan for the next 12 months.
Collections and late payments
We challenge inaccurate, duplicated or unverifiable accounts with both bureaus.
Errors and identity theft
Accounts you don’t recognize, wrong balances or mixed files get disputed and documented.
Canada Programs
Every program includes 1-of-1 Equifax and TransUnion Canada dispute letters at no additional charge and access to your private client portal. Pay in full and save 25%, or spread it over 6 monthly payments at 0% interest.
Credit & Funding Blueprint
- 60-minute 1-on-1 session reviewing your full credit picture the way an underwriter would
- Exactly what's holding back your approvals
- A written roadmap: what to dispute, what to open next, and in what order
- 100% credited toward any program if you enroll within 14 days
Credit Consulting Package
- Full Equifax & TransUnion Canada report review
- Collections, charge-offs, late payments, consumer proposals & bankruptcies reviewed
- Every inaccurate, outdated or unverifiable item challenged
- 2 one-on-one funding & credit consulting calls with Oye
- Personalized credit plan + client portal
Elite: Credit + Business
- Everything in the Credit Consulting Package, plus:
- Business set up the way lenders expect: registration, CRA business number, D-U-N-S number & business bank account
- Starter vendor accounts that report to business credit bureaus
- A personal + business credit strategy so one doesn't undermine the other
Prices are charged in US dollars. CAD amounts are approximate and depend on your bank's exchange rate. Results vary. No guarantee of specific results.
As Seen On
Upper Echelon Capital has been featured in national media.
Canadian Credit FAQ
Straight answers to the questions we get most.
Is credit repair legal in Canada?
Yes. Credit repair is regulated provincially and the rules differ by province. Our Canadian service is a credit consulting package, and credit report dispute support is included at no additional charge.
How long do negative items stay on a Canadian credit report?
Most negative items stay for about 6 years. A completed consumer proposal is typically removed about 3 years after it’s paid off, and a first bankruptcy about 6 years after discharge. Timelines can vary by province and bureau. Accurate items can’t be removed early, but errors and items that can’t be verified can be disputed.
Can you guarantee a score or a deletion?
No, and anyone who does should be a red flag. Every file is different. Results vary.
Is this the same as a consumer proposal or debt consolidation?
No. Those are debt solutions handled by a Licensed Insolvency Trustee or lender. We focus on the accuracy of your credit report and on rebuilding your credit afterwards.
Do you work in my province?
We work with clients nationwide across Canada. Book a free call and we’ll confirm everything for your province.
Why are prices in US dollars?
Our checkout processes payments in USD. Your bank converts it to Canadian dollars at its exchange rate, so the CAD amounts shown are estimates.
Which bureaus do you work with?
Canada’s two consumer credit bureaus: Equifax Canada and TransUnion Canada.
Book Your Free Canada Strategy Call
Pick a time below. Tell us you’re in Canada when you book so we can prepare for your Equifax and TransUnion Canada review.
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Questions? Text 267-980-7701. Results vary. No guarantee of specific results. Upper Echelon Capital does not provide legal advice and is not a debt settlement, consumer proposal or insolvency service. US clients: upperecheloncredit.com.