What else can I do about my credit problems?
Instead of hiring a credit repair agency or a debt settlement company, you might consider getting help from a credit counselling service.
Instead of trying to "fix" your credit report, a credit counselling service can help you make a plan for getting out of debt and avoiding too much debt in the future.
Credit counselling services are non-profit organizations. Most of them charge some fees based on your income and what they are helping you with. But they are not in business to make money, like the credit repair and debt settlement companies are.
You can find a credit counselling service near you by contacting the Ontario Association of Credit Counselling Services at 905-945-5644 or 1-888-746-3328 or by visiting their website at www.financialfitness.ca. You can also contact Credit Counselling Canada at 1-866-398-5999 or visit www.creditcounsellingcanada.ca.