Accredited Business

Accredited Business


Calgary: (403) 337-4000

Edmonton: (780) 666-2600

Toronto: (647) 775-0708

Surrey: (778) 800-9957

Lloydminster: (306) 830-5449

All Office Fax: (780) 666-9721

Office Hours:
Monday to Friday: 9am – 6pm
Saturday: By Appointment


Credit Counselling Services Calgary, Edmonton & Surrey regions


Keep your CAR, HOME, and RRSPs
Stop harassing CREDITOR CALLS immediately
Get the largest DEBT REDUCTION that is fair

5 Offices | 12+ Years Experience | 10000+ Satisfied Clients
Calgary: (403) 337-4000
Edmonton: (780) 666-2600
Surrey: (778) 800-9957
Lloydminster: (780) 666-2600


Book Your 1 Hour FREE personal, no obligation consultation today.


    8 Ways to Keep and maintain Good Credit:

    1. Manage your finances wisely and use common sense.
    2. Pay your bills on time.
    3. Don’t borrow more than you can afford to repay in a reasonable length of time.
    4. Don’t apply for credit too often.
    5. Establish emergency savings. This will help you to not rely on credit when tough times come or unexpected things happen.
    6. If something bad should happen, communicate with your creditors right away.
    7. Resolve all credit disputes quickly. Although you may think you are in the right, if the dispute drags on and you don’t make your payments, your credit rating will be hurt—even if the problem wasn’t your fault.
    8. Check your credit report once a year to make sure that no one else has applied for credit using your name

    Steps you can take to create an amazing credit score

    When you see a certified counselor at CREDIT720, we:

    • Analyze your current financial situation by going over a monthly spending plan/budget for your individual profile. This will provide an insight into money inflows and money outflows.
    • We will develop a plan that will fit your needs and meet the expectation of your creditors. Many creditors recognize an effort to make arrangements with them through a structured plan like a debt management program and may make concessions such as adjusting your interest rate, reduction in required payments, and debt settlement offers.
    • We pinpoint the changes you can make to improve your consumer habits and we help you determine what your short and long term goals are.
    • Once your finances are stabilized by the immediate measures that CREDIT720 will bring about for you, CREDIT720 shall help you further and educate you about managing your finances in order to avoid the same issues from recurring. CREDIT720 will enable you to plan for a better financial future.

    Credit Re-Establishment

    There are options available to you as a consumer that can help you re-establish your credit regardless of if you filed a consumer proposal or bankruptcy. Some of these are listed below:

    • Pay all essential bills on time (i.e. phone, cable, rent, utilities, etc.)
    • Apply for a secured credit card
    • Pay more than the minimum payment on your credit card
    • Have someone co-sign a future loan whom you know and can trust

    Credit Ratings

    R0 – Too new to rate; approved but not used;

    R1 – Pays (or paid) within 30 days of payment due date or not over 1 payment past due

    R2 – Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than 2 payments past due;

    R3 – Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than 3 payments past due;

    R4 – Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or not more than 4 payments past due;

    R5 -Account is at least 120 days overdue, but is not yet rated “9;”

    R7 – Making regular payments through a special arrangement to settle your debts;

    R8 – Repossession or surrender;

    R9 – Bad debt, bankruptcy, placed for collection, or moved without giving a new address.

    Beacon Score

    Excellent Credit Score: 750+
    Good Credit Score: 700-749
    Fair Credit Score: 650-699
    Poor Credit Score: 600-649
    Bad Credit Score: Below 599