Credit Rehabilitation Program
If the home is not the answer yet
Start my 2-minute Debt Payment Check
What it is
My free Credit Rehabilitation Program is a written habit plan, a plain walk-through of how to read your own credit reports, and a personal recheck with me when you ask for one. I show you how to file a dispute with a credit bureau yourself. I do not file it for you, and I do not promise what a bureau will do.
The steps are ordinary, which is the point. We look at the payments you already make and the habits that keep balances from dropping. I walk you through your own credit reports in plain words, so you can see what is there. If something looks wrong, I show you how to raise it with the bureau yourself. You pick a date for a personal recheck. There is no automated drip. You leave with notes you can follow without me in the room.
This program is part of The One Payment Plan because a site about debt that only speaks to people who already fit a mortgage is a brochure. The people who do not fit still came here in pain. They get a path.
What it is not
It is not credit repair. It is not a service that writes to bureaus for you and hints that negative items will vanish. I will not say that, and you should not pay anyone who does.
It is not credit counselling and it is not a debt management program. Those are real services, often non-profit, with their own licences and their own job. I point you there. I do not imitate them.
It is not debt settlement and it is not a consumer proposal. I do not negotiate with creditors. A Licensed Insolvency Trustee is the person for proposals and bankruptcy. I will say so when that is the better lane, without talking down the trustee.
How we work together
There is no automated drip. You pick a date for a recheck when you want one. I am not going to email you every Thursday about your habits. The promise of no automated follow-ups applies here too.
We can do it by phone or video. You do not visit an office. You can bring a spouse or an adult child. You can come alone.
If your situation changes and a mortgage might fit later, you start the quiz again or you call. Enrollment in the program is not a contract that blocks that. It is also not a coupon for a future approval.
Why the quiz offers it
No home in BC means I have no mortgage tool. A mortgage already larger than three quarters of the value means I will not invent equity. Both results are tagged so I know the rehab program was offered and the counselling pointer was part of the result. That is bookkeeping for a promise, not a marketing trick.
You can still book a conversation with me about the program. The button does not call the call free. The program is free. The difference is small and I keep it on purpose.
If you are not sure you belong here, take the quiz. A fit for a refinance should not be talked into a habit plan as a substitute for looking at the house. A non-fit should not be talked into a mortgage as a substitute for the truth.
What a recheck looks like when you ask for one
You pick the date. We look at the habit notes from last time and at the reports you pulled yourself. I do not log into your bureau. I do not send a letter for you. If something improved, we say what you did. If nothing improved, we say that too, without a speech. If a mortgage might now be worth a look, we run the quiz facts again. If it is still the wrong tool, we stay with the program.
You can stop the program by saying so. There is no fee to stop, because there was no fee to start. You can also ask me to introduce the idea of non-profit credit counselling again if the payments are still winning. I would rather repeat that pointer than invent a mortgage to make the meeting feel successful.
Boundaries that will not loosen
The program excludes removal claims, score promises, fees, and any tie to a future mortgage. It refuses the names credit counselling, debt settlement, and credit repair as descriptions of my work.
What this is not. I am a mortgage broker. I do not negotiate with your creditors. I am not a credit counsellor and BRX Mortgage Inc. is not a debt settlement company.
Questions on this page
Will this remove items from my credit report?
No. I will not claim that. If something is wrong, I show you how to raise it with the bureau yourself. I do not file it and I do not promise the result.
Will my score go up?
I do not promise a score change or a date for one. Habits can change what future reports show. That is not a promise.
Is this credit counselling?
No. Non-profit credit counselling is a different service. I point you to it. I do not provide it.
Does it cost money later?
No. It is free now and later. It is not tied to a future mortgage.
Who is offered it?
Quiz results that are not a fit: no BC home, or a mortgage already more than three quarters of the value. I can also offer it when a mortgage exists but would be a bad idea.