Credit Score & Debt Settlement

Canadian Debt Settlement & Credit Rebuilding Specialist Needed

I am seeking an experienced Canadian credit and debt settlement professional to help me achieve two objectives simultaneously:

Negotiate and settle several older debts for less than the full balances owed.
Develop and coach me through a practical, step-by-step plan to improve my credit profile and increase my credit score over time.

My primary goal is to resolve outstanding accounts as cost-effectively as possible while pursuing the best available credit reporting outcome permitted under Canadian credit reporting practices. Where appropriate, I would like guidance on settlement options, account updates, goodwill requests, and any other legitimate strategies that may help improve my credit standing.

I am not looking for a quick fix. I prefer a thorough, well-planned approach focused on long-term financial health rather than temporary score manipulation.

The successful candidate should have direct experience working within the Canadian credit system and be familiar with:

Equifax Canada
TransUnion Canada
Canadian banks, lenders, and collection agencies
Consumer reporting practices in Canada
Provincial debt collection regulations
Credit rebuilding strategies commonly used by Canadian consumers

I am open to proven methods, including but not limited to:

Debt settlement negotiations
Hardship or goodwill letters
Pay-for-delete requests where appropriate and available
Credit report reviews and dispute guidance
Secured credit card strategies
Credit utilization optimization
Payment history rebuilding
Long-term credit score improvement planning
Deliverables

Success will be measured through the following deliverables:

A written settlement strategy for each account, including negotiation approach and expected settlement range
Copies of all correspondence prepared for creditors and collection agencies
A month-by-month credit rebuilding roadmap with measurable milestones
Regular progress updates as accounts are resolved and credit goals are achieved
Clear explanations of all recommendations and actions in plain, understandable language
Preferred Qualifications

Preference will be given to professionals who:

Have proven experience helping Canadians settle debt and rebuild credit
Can demonstrate successful outcomes with Equifax Canada and TransUnion Canada reporting
Understand how Canadian lenders evaluate credit applications
Have experience dealing with major Canadian banks, finance companies, and collection agencies
Communicate clearly and transparently throughout the engagement

When applying, please provide specific examples of Canadian debt settlement and credit rebuilding cases you have handled, including typical settlement outcomes and credit score improvements achieved for clients in situations similar to mine.