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Top 5 Credit Repair Companies in Toronto

Best Credit Card Repair Companies in Toronto
We extensively test and research all services we review. Here's why you can trust us.

Everyone deserves a second chance. 

In a world where financial setbacks can arise unexpectedly, from unforeseen medical expenses to job loss, poor credit doesn’t define you. That’s where the best credit repair companies in Toronto step in. 

They’ll navigate credit reports and implement strategies to boost your creditworthiness. During your journey to financial recovery, their expert support will help you get your second chance.

How much do credit repair services cost in Toronto?

In Toronto, hiring a licensed credit repair professional may entail an initial fee of up to $100, with ongoing monthly payments typically falling between $30 and $150. If you opt for credit repair software, prices can range from $25 to $500

Additional factors, such as the complexity of your credit issues and the extent of assistance required, may also impact the overall cost.

How We Chose the Best Credit Repair Companies in Toronto

Proven Track Record: We assessed credit repair companies in Toronto with a track record of successfully assisting clients in improving their credit scores.
Transparent Pricing: We prioritized companies that provide clear and transparent pricing structures, ensuring clients are well informed about the costs.
Client Success Stories: Our evaluation included companies backed by positive client testimonials and success stories, indicating their effectiveness.
Regulatory Compliance: We considered companies that adhere to relevant laws and regulations, ensuring ethical and legal practices in their credit repair services.
Customized Solutions: We selected companies that offer personalized and tailored credit repair solutions, recognizing the unique financial situations of individual clients.
Educational Resources: We prioritized companies that provide educational resources to empower clients with the knowledge needed for long-term financial health.
Efficient Dispute Process: Our evaluation included companies with an efficient and effective dispute resolution process, expediting the removal of inaccuracies.
Customer Support: We assessed companies with responsive and accessible customer support, ensuring clients have reliable assistance throughout their credit repair journey.
Innovative Technology: We considered companies leveraging innovative technologies and tools to enhance the efficiency and effectiveness of their credit repair services.
Accreditation and Certifications: We prioritized credit repair companies in Toronto with relevant industry accreditations and certifications.

1. Ross Taylor Mortgages

Ross Taylor Mortgages
ADDRESS567 Roehampton Ave Unit 28, Toronto, ON M4P 1S5


CONTACT DETAILS(416) 800-3157

OPERATING HOURSMon - Fri: 8:30 AM – 6 PM

Saturday: 8:30 AM – 2 PM

Ross Taylor Mortgages is quite known in the credit repair industry, thanks to the brainpower behind it—Ross Taylor. Armed with a Mathematics degree and an MBA in Finance, he’s celebrated as a leading expert. 

Ross certainly earned his stripes, securing finalist positions in national awards six times. His contribution also includes around 700 published articles and e-guides, as well as his AskRoss financial blog.

One’s credit repair journey begins with a free consultation, where clients receive a tailored finance plan and one-on-one guidance.

Then, he collaborates with credit bureaus to eliminate inaccuracies and negative data while sharing tips for score management.

Credit scores are also boosted, with clients reporting impressive increases ranging from 60 to a whopping 190 points in less than a week!

Interestingly, his financial prowess has gained media attention, having been featured in Canadian Mortgage Trends, The Globe and Mail, CBC News, and the Toronto Star.


  • Mathematics degree and an MBA in Finance
  • Received national awards
  • 700 published articles and e-guides
  • Free consultation
  • Personalized financial plan
  • Helps eliminate inaccuracies
  • 60 to 190-point increase in less than a week
  • Has been featured in the media


  • Might be hard to book

Ross was incredible to work with!

“Ross was incredible to work with! Worked together on a few transactions now. He knows his stuff, he’s always in communication, and he gives real options for making your transaction work. Heads and tails above expectations. Thank you Ross!”

michael chambers, Google Review

Super knowledgeable and very professional

“Ross was great to work with! You can tell he is a pro at what he does, super knowledgeable and very professional. Looking forward to working with Ross again for anything credit and or mortgage related. Thank you Ross.”

 Brett Beauchamp, Google Review

2. EmpireOne Credit Solutions Inc.

EmpireOne Credit Solutions Inc.
ADDRESS250 Consumers Rd Suite 810, Toronto, ON M2J 4V6


CONTACT DETAILS(416) 900-2324


Saturday: 10 AM – 4 PM

EmpireOne Credit Solutions Inc. aims to be your friendly guide through the intricate world of credit counseling, consumer proposals, and bankruptcy assistance. They’ve actually aided over 5,000 Canadians in saving millions of dollars in debt.

Clients are offered a free consultation, where they can gain clarity about their unique financial situation and explore the best options tailored just for them. 

Recognizing that no two financial situations are alike, they make sure that your chosen solution aligns perfectly with your specific challenges and opportunities.

Unlike other firms, they do not charge upfront fees.

Throughout the entire process, you’ll have a professional and experienced expert counselor by your side, ready to answer questions and provide recommendations.

EmpireOne goes the extra mile to help repair your credit, potentially reducing your debt by up to 80%, all without the burden of interest. 

And here’s the kicker – they guarantee 100% customer satisfaction, and if you find a better offer in Ontario, they’re willing to beat it.


  • Aided over 5,000 Canadians
  • Free consultation
  • Personalized financial solutions
  • No upfront fees
  • Can potentially reduce your debt by up to 80%
  • 100% customer satisfaction
  • Willing to beat offers 


  • Reports of ineffective service

The best credit debt company out there

“EmpireOne Credit Solutions is the best credit debt company out there.The service I received is exceptional.Kimberly was extremely helpful, patient and professional in all area of your job and always available whenever i have a questions she will answer them right away. I highly recommend to anyone whos going through the same situation like me. Thank you so much for your great service Kimberly ☺️”

 Ruby Desierto, Google Review

I love everything they do

“Kimberly made it easy for me to understand what I was struggling with especially when it came to making decision about my credit. She took her time to explain things to me and what she can do to help make it better. I love everything they do and she is available when you need to reach her for something. I will alway recommend someone to her. Thank you for your team for helping me and keep doing what you all love to do. Thanks Helena.”

 FamilyTube Tv, Google Review

3. GTA Credit Solutions Services Ltd.

GTA Credit Solutions Services Ltd.
ADDRESS1280 Finch Ave W #306, North York, ON M3J 3K6


CONTACT DETAILS(416) 650-1100

OPERATING HOURSMon - Fri: 9:30 AM – 5 PM

Saturday: 10 AM – 2 PM

GTA Credit Solutions is a financial consulting firm based in Ontario that has assisted over 20,000 families since 2004. The firm prides itself on potentially reducing debts by an impressive 75% or more. 

Their credit repair services allow you to consolidate payments into one manageable monthly installment. They’ll also help free you from the stress of constant, harassing calls. 

Their team also handles various types of debts, ranging from bank loans and credit card balances to student loans and Canada Revenue Agency dues. 

Plus, they tailor sessions to individuals, helping them achieve financial stability. Sessions cover a spectrum of financial topics, from debt management and budgeting to understanding credit usage and rebuilding credit scores. 

Additionally, the firm assists clients in drafting consumer proposals, offering interest-free payments spread over a maximum of five years. This results in substantial savings of about 70% to 80%. 


  • Over 20 years of experience
  • Assisted over 20,000 families
  • Potentially reduces debts by 75%
  • One manageable monthly installment
  • Handles various types of debts
  • Provides credit counseling
  • Consumer proposals


  • A bit pricey

They’ve helped ease my financial stress a great deal

“I’ve worked with GTA Credit Solutions twice already and as embarrassed as I am, they’ve helped ease my financial stress a great deal. Rehka was great! Definitely recommend Rehka and GTA for all your credit solution needs.”

Jessica Encina, Google Review

The experience was absolutely life changing

“I worked with Mr. Mark at GTA Credit Solutions and the experience was absolutely life changing. I reached out to the GTA credit solutions after finding myself in the most stressful situation. After I consulted Mr. Mark, he was very supportive. He has put in his utmost effort in making sure my situation was well taken care of. He offered me the best advice on how to approach the problem and simply put found the solution to my problem. Thank you Mark for your help. It is greatly appreciated.”

Gamini Perera, Google Review

4. Debt Free Credit Solution

Debt Free Credit Solution
ADDRESS10 Milner Business Ct Suite 314, Toronto, ON M1B 3C6


CONTACT DETAILS(416) 834-7227

OPERATING HOURS Mon - Wed, Fri: 9 AM – 5 PM

Thursday: 9 AM – 8 PM

Saturday: 11 AM – 1 PM

Boasting over 8 years of experience, Debt Free Credit Solution offers a comforting financial solution for those grappling with debt. It’s led by the seasoned Elankeeran Than, a Certified Insolvency Counsellor with a decade of expertise.

First, they give clients a comprehensive review of their financial landscape, considering factors like income, debt types, and future plans. 

Then, they present various debt relief plans, detailing the pros and cons to empower clients to make the best decision for their situation.

Beyond mere consultation, the team actively negotiates with creditors, aiming for lower interest rates, potential savings, and improved credit.

Their credit counselors also provide valuable advice on managing expenses. 

Most importantly, the team helps alleviate concerns about legal actions, collection calls, and wage garnishments. 


  • Over 8 years of experience
  • Certified Insolvency Counsellor
  • Provides a comprehensive financial review
  • Presents various debt relief plans
  • Negotiates with creditors
  • Provides valuable advice
  • Legal actions, collection calls, and wage garnishments


  • Reports of subpar service

Working with DFCS was the best choice

“I had spoken to another debt free company and had an appointment with another but when I spoke to Debt Free Credit Solution (DFCS) right away I felt the peace of mind and assurance that they were going to take care of me. Sure enough that gut feeling was right! Working with DFCS was the best choice and I recommend to all searching for help with their debt!”

Jetta, Google Review

Best advice I have got in my life regarding credit and debit solutions

“Best service and best advice I have got in my life regarding credit and debit solutions.highly recommend.”

Prasadi Apsara, Google Review

5. Credit360

ADDRESS50 Minthorn Blvd Suite 100, Markham, ON L3T 7X8


CONTACT DETAILS(416) 646-2043


Credit 360 comprises credit experts with 19 years of experience dedicated to transforming your financial outlook. Their mission is simple: helping individuals live the life they aspire to. 

A free consultation is first offered, allowing you up to one hour of insightful counseling before making any commitment.

Once you’re on board, documents are swiftly processed and sent for investigation within 24 hours. 

They also take the reins in correcting errors, adhering to the Revised Statutes of Ontario and Codes of Conduct.

Then, their credit specialists dig into the individual pain points and backgrounds of each client using an attorney-certified methodology to give your credit score a boost. 

For those wondering about timelines, Credit 360 has seen remarkable results, with an average duration of 5 to 15 months for about 10 questionable accounts per bureau. 


  • Credit experts with 19 years of experience
  • Free consultation
  • Documents are processed within 24 hours
  • Corrects errors
  • Uses an attorney-certified methodology
  • Average duration of 5 to 15 months


  • Reports of no results

This is an amazing company!

“This is an amazing company! They educated me on credit health and how to maintain it! They are patient, informative and dedicated in ensuring you achieve your goals! Thank you to Vick and Carlos for helping me!”

Ashley Rose, Google Review

Went from 428 to 650 in less than 2 months

“I was very skeptical in the beginning, but was satisfied after the first month. Went from 428 to 650 in less than 2 months, definitely a great service! Glad i ran into their ad on Facebook.”

Yoges Peramplam, Google Review