Canada | Credit analysis | Premium guidance
Find what is holding your credit back. Fix what is wrong. Rebuild the rest with a real plan.
Dr.Credit helps clients across Canada understand their file, correct documentable reporting errors, and build a credible plan before applying for financing.
Credit file audit
Documented correction support
Rebuilding strategy
No artificial promises. The value is in a clear diagnosis, the right path,
and practical next steps.
What we do
Step 1
Audit the file and identify the real pressure points
Step 2
Correct inaccurate or poorly reported items
Step 3
Build a rebuilding plan around your financing goal
Typical cases
wrong late marks, duplicate accounts, high utilization, thin files, mortgage preparation
Positioning
A structured advisory firm for clients who want clarity, not noise.
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
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
Pricing
Clear pricing for a premium but credible position.
Private review
Private audit
$149
Initial file review, pressure-point analysis, and recommendation of the right path.
Flagship service
Guided correction
$525
For clients with strong documentation and real reporting issues that need full guided support.
Ongoing support
Monthly coaching
$189/mo
For rebuilding, profile optimization, and financing preparation.
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
Process
A calm and structured path from review to action.
01
Audit
We gather the reports, review the file, and identify the pressure points.
02
Orientation
We choose the right path: correction support or rebuilding strategy.
03
Execution
We implement the dispute or rebuilding plan with clear follow-up steps.
04
Stabilization
We review progress and prepare for the client's next objective.
Contact
Speak with Dr.Credit to understand your situation and the right next step.
Dr.Credit serves clients across Canada through a national service model. To begin, complete the intake form so your request can be reviewed properly.
Recommended channel
assessment form
Review path
structured file review and follow-up