Credit Repair Services
We do more than just find you a home. We provide credit education and credit repair services to help you succeed.
All JAAG Rent to Home clients in Ontario have access to our credit repair and education services. We’ll pair you with a Certified Financial Planner who will guide you to financial security through credit education, coaching and budgeting – making it easy to save for your down payment.
Start the credit repair process today!
What is credit repair?
It’s simple. Credit repair involves rebuilding and improving your overall credit score. At JAAG Properties, we will help you pay off debts, teach you how to use credit cards and loan services responsibly to rebuild your credit, and invest in personal financial literacy.
What is a credit report?
A credit report is a detailed summary of your credit history. It shows how you’ve managed loans, credit cards, and other financial obligations over time. Lenders use this report to assess your financial reliability and decide whether to approve you for credit.
Your credit report includes:
- Personal information
- Current and past credit accounts
- Payment history
- Outstanding debts
- Collections or bankruptcies
At JAAG Properties, we help you review your report, correct any errors, and create a plan to build strong financial habits. Taking control of your credit report is the first step toward achieving your goal of homeownership.
Why do you need a good credit score?
Credit scores are essential for your financial future. Buying a home, leasing a car, or getting a line of credit all depend on your score. Getting a mortgage with bad credit in Ontario can be challenging, but with credit repair, you can unlock better loans, lower interest rates, and greater financial freedom.
How Credit Repair Can Help You
If you have a poor credit score, credit repair services can be an effective way to improve your credit score over time. Our team of financial advisors will help by assessing your credit report to identify the items that may have led to your poor credit score and help you rebuild it to achieve your financial goals.
Our Credit Repair and Education Services
With JAAG, you’ll receive credit repair education services throughout your Rent to Home term. This includes:
- One-on-one financial advisor coaching
- Monthly budgets and savings plans
- Debt repayment strategies
- Money coaching to uncover spending habits
Our priority is to help you improve your credit score, achieve financial security, and qualify for a mortgage.
Why Choose JAAG Properties Credit Repair and Education Services
We are committed to building your credit score and getting you the home you deserve. Our Credit Repair and Education Services are free of charge and are the most crucial step in your Rent to Home journey. This is precisely how we have helped over 100 clients become successful homeowners. With our Rent to Home process, buying a house with bad credit is possible.
Step-by-Step Process Towards Credit Education with JAAG Properties
1. Initial Consultation
Meet with a financial advisor for a full review of your credit report.
2. Personalized Credit Repair Plan
Receive a customized roadmap including debt repayment, budgeting, and savings goals.
3. Ongoing Coaching
Work with JAAG’s Certified Financial Planners on credit education and responsible credit use.
4. Money Coaching Sessions
Explore the psychology behind your spending habits and learn better financial behaviors.
5. Progress Tracking
Monitor your score improvements with regular updates.
6. Mortgage Readiness
By the end of your Rent to Home term, you’ll be positioned to qualify for a mortgage and purchase your home.
Frequently Asked Questions (FAQs) About Credit Repair Services
While credit repair timelines vary, most clients see meaningful improvements within their program. Here’s what happens with JAAG:
Your Credit Repair Timeline with JAAG
- Month 1: Our credit team analyzes your file and identifies errors to dispute and budgeting plans
- Months 2-36: You make consistent on-time payments while we coach you on better financial habits and budgeting
- Month 33+: We begin connecting you with lenders to prepare for mortgage approval
Absolutely—especially with JAAG. Credit repair isn’t just about improving a number; it’s about preparing you for mortgage qualification through financial education.
What JAAG’s Credit Team Does
- Helps you rebuild your score through better financial habits
- Supports you in making on-time payments
- Corrects errors on your credit file
- Guides you toward mortgage-ready status
The Real Value
By the end of your program, you’ll have the credit profile and down payment savings needed to qualify for a mortgage at competitive rates. That’s the real value.
Credit repair and debt consolidation are different strategies with different outcomes.
Comparison: Credit Repair vs. Debt Consolidation
| Feature | Credit Repair | Debt Consolidation |
|---|---|---|
| Focus | Rebuilding credit score | Simplifying debt payments |
| How It Works | Better habits, on-time payments, error correction | Combines multiple debts into one payment |
| What Mortgage Lenders See | Strong credit history and habits | Reduced debt but no credit improvement |
| Best For | Mortgage qualification | Simplifying payments |
Why JAAG Focuses on Credit Repair
Mortgage lenders care about your credit history and financial habits—not just how much debt you owe. JAAG’s credit team focuses on repair because that’s what qualifies you for a mortgage. We don’t just reduce your debt load—we rebuild your creditworthiness.
Build Stronger Credit While Working Toward Homeownership with JAAG Properties
At JAAG, our Rent to Home Program is designed to do more than help you move into a home—it also supports your journey to better credit. By making on-time payments and following our credit education guidance, you’ll strengthen your financial profile while working toward owning your home. We’ve already helped over 200 families across Canada achieve homeownership, and we’re here to guide you every step of the way. Get pre-approved today and start building both your credit and your path to homeownership.
Start the credit repair process today!
