I hired a credit repair company. What can I do if I’m having problems?

Learn about the rules the company must follow

Credit repair companies must follow certain rules in Ontario. For example,

  • they cannot tell you that they can help if they have not looked at your
  • they cannot ask you to pay them before they start work
  • they cannot charge any fees unless they improve your report
  • they cannot make false or misleading claims

Also, they must give you a written agreement that has the following information:

  • the company’s name and address
  • the agreement’s date
  • a complete list of the services and goods they will provide
  • the date that will complete their services
  • how much they will charge you if they improve your credit report
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