+87 pts
Avg score increase
94%
Dispute success rate
30 days
Bureau must respond
★★★★★
Collabria late payment removed in 28 days
“Had a Collabria late payment from 2022 hurting my mortgage application. CreditKO generated the exact PIPEDA letter. Sent registered mail. 28 days later — removed. My Equifax score jumped 61 points and we got approved for our house.”
📈 Equifax +61 pts · Mortgage approved
MR
Mike R.
Ottawa, ON
★★★★★
Three Fairstone collections removed
“Three Fairstone collection accounts that weren't mine showed up on my TransUnion file. CreditKO wrote the letters, I mailed them registered. All three removed within 45 days. The bureau responded immediately when they saw the PIPEDA language.”
📈 TransUnion +89 pts · 3 collections removed
SL
Sandra L.
Calgary, AB
★★★★★
More in 60 days than a credit repair company did in a year
“I was paying $300/month to a credit repair company. They sent generic letters that went nowhere. CreditKO did more in 60 days. The difference — CreditKO cites actual Canadian law. PIPEDA. Not American FCRA templates.”
📈 Saved $3,600/yr vs credit repair company
DT
David T.
Vancouver, BC
★★★★★
634 to 712 in 47 days
“A Home Trust balance error had been on my file for two years. Three failed online disputes. CreditKO's PIPEDA letter got a response in 18 days and a correction in 31. Score went from 634 to 712. I wish I found this two years ago.”
📈 Equifax 634 → 712 · +78 pts
JM
Jennifer M.
Toronto, ON
★★★★★
FinanceIt collection removed — thought it was permanent
“CreditKO identified my FinanceIt collection was past the 6-year reporting limit in Alberta. One letter. 30 days. Gone. I had no idea this rule existed. The app paid for itself on the first dispute.”
📈 AB 6 year rule · collection removed
RK
Robert K.
Edmonton, AB
★★★★★
6 unauthorized inquiries — 5 removed
“A car dealership ran my credit 6 times without consent. CreditKO generated 6 dispute letters citing PIPEDA. 5 removed in 30 days. Score improved 34 points. The Canada Post mailing feature saved me hours.”
📈 5 of 6 unauthorized inquiries removed
PS
Priya S.
Mississauga, ON
★★★★★
Works perfectly for Quebec
“The letters reference both PIPEDA and Quebec's Law 25. Had a Desjardins late payment from 2020 removed in 22 days. My Equifax Quebec score went from 658 to 724.”
📈 Equifax 658 → 724 · Desjardins removed
MB
Marc B.
Montreal, QC
★★★★★
Single mom — this changed everything
“I was denied a car loan because of errors on my Equifax file. I couldn't afford a credit repair company. CreditKO at $49.99/month I could manage. Two disputes later — score went from 612 to 688. Got the car loan. Thank you.”
📈 Equifax 612 → 688 · Car loan approved
AW
Angela W.
Halifax, NS
★★★★★
Three identity theft accounts cleared
“Found three accounts on my TransUnion file that weren't mine. CreditKO's identity dispute letters were precise and legally specific. All three removed within 45 days. Completely stress-free.”
📈 3 fraud accounts removed · TransUnion
KL
Kevin L.
Winnipeg, MB
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