The file
The person behind CreditON sold cars while their own score sat in the 470s. The way back was the car payment, never missed, then the cards, then a collection only when the money and the written number were both real.
About
We sold the cars. We also rebuilt a file.
From a score in the 470s to near 750. Ordinary months. The same rules we use with customers who are still on the way.
The desk
Customers heard the same line at the dealership and then went home alone. Around 540 or 560, the rate is often in the mid-teens. They are not happy to stay there. They want the file to move so the next rate can.
Start
470s
A file that could not get a fair rate. The car still had to happen.
The work
The middle
Payments, cards, and collections handled in an order that matched the money.
Now
Near 750
Not a trick. The same rules we use with customers who are still on the way.
What the rebuild actually was.
The car payment never slipped
A high-rate loan still reports. Missing it to chase a collection is how a file goes backward. That rule came first, every month.
Cards came down before anything clever
The fastest movement was utilization. The card closest to its limit got the extra money. Old cards stayed open after they were paid.
Collections were negotiated, not wished away
Money went to a collector only with a number in writing. Paying changed the status. It did not erase the trade line.
Both reports were read
Equifax and TransUnion did not tell the same story. Treating them as one score would have meant fixing the wrong problem.
Who it is for.
People who financed because they needed the car. Scores under 500, trying to reach 600. Scores around 540 or 560, sitting on a mid-teens rate and wanting the next one to be lower. Dealerships that would rather call a customer whose file moved than hope they come back.
Who it is not.
Not a credit-repair promise. Not a deletion service. Not a new loan. A consumer proposal or a bankruptcy is a different file, and we will not talk about it as if a monthly plan erases it. The public site explains the program. The dealer desk and the customer plan stay private.
What we will not dress up.
- We do not promise a score, a refinance date, or a deletion.
- Paying a collection in Canada usually changes the status. It does not erase the item.
- Equifax and TransUnion are two files. We do not pretend they match.
- The public site is the offer. The dealer desk and the customer plan stay private.