How It Works
Three steps to take control of your credit.
Apply
Fill out the short form below. Our team reaches out to review your situation, at no cost and no obligation.
AI Analysis
Our AI reviews your credit profile, identifies errors and disputable items, and maps out the opportunities.
Take Action
Disputes are prepared and submitted through the proper channels, and you track every step from your dashboard.
Why Families Trust Mehdi Rad
🏆 A Trusted Advisor
Mehdi Rad has advised more than 3,000 families in Canada, with honest guidance that puts your interests first.
🗣️ English & Persian
Get help in English or Persian, so every step of your credit plan is clear.
🤖 Smart AI Tools
Our AI reviews your credit reports, finds errors and prepares disputes, so progress moves faster.
🔒 Private & Confidential
Your information is protected with enterprise-grade security and strict privacy standards.
💬 Clear, Honest Guidance
No confusing jargon. No pressure tactics. Just straight answers and realistic plans.
🍁 Built for Canadians
We understand Canadian lenders, reporting agencies, regulations, and consumer protections.
Frequently Asked Questions
Credit repair is the process of reviewing credit reports and helping address inaccurate or incomplete reporting through lawful consumer rights processes.
Yes. Canadians have the legal right to dispute inaccurate credit reporting information. Many credit reporting agencies do not like credit repair or companies that offer services; but it is your right and their obligation to provide accurate credit reporting.
No. Our technology is designed to help clients across a wide range of credit situations. Even if you have a really low credit rating we can help.
Progress varies by individual profile, reporting cycles, and creditor processes. Most legitimate disputes can typically be resolved in weeks or months.
If information is confirmed inaccurate or incomplete, corrections may be made under applicable reporting rules. The Credit Reporting Act of Canada gives agencies a certain amount of time to report your credit accurately.
If reporting is inaccurate or accounts are resolved, updates may occur based on bureau policies. Collection agencies must also follow the guidelines of the credit reporting act. In cases where the collection agency failed to follow the guidelines full removal or correction may be possible.
Accurate history usually remains. If reporting errors exist, our tools help you detect and address them. Many people have errors on their credit report that they are simply unaware of.
Yes. Repair focuses on accuracy. Rebuilding focuses on healthier credit habits moving forward. Our programs will help you with both aspects of improving your credit.
In Canada, credit scores typically range from 300 to 900. General ranges include: 300–559 Poor credit, 560–659 Fair credit, 660–724 Good credit, 725–759 Very good credit, and 760+ Excellent credit. Higher credit scores help consumers qualify for better interest rates and financial products.
Credit utilization refers to the percentage of available credit you are using. Lower credit utilization typically improves credit scores.
Some of the most effective ways to rebuild credit include: paying all bills on time, reducing credit card balances, using secured credit cards, disputing inaccurate credit report information, and maintaining long-standing credit accounts.
No. Results vary by individual situation. We focus on responsible processes that help improve outcomes over time. We offer state of the art technology that will help you reach your goals as fast as possible. Be very careful with companies that make false promises or guarantees. Credit Reporting Agencies and Collection Agencies are operated by 3rd parties and do not offer any guarantees.
Start Improving Your Credit
Fill out the form below and our team will reach out shortly. No cost, no obligation.