Collections & Judgements
Collections and judgements, argued one at a time.
These sit on a credit file like a verdict. They're closer to a question — and questions can be answered.
Why they carry so much weight
A collection or a judgement tells a lender that someone else already tried and failed to get paid. That reads as risk regardless of the amount involved or how long ago it happened.
Automated decisioning rarely distinguishes between an old, settled item and an active one. Both show up. Both count against you.
How I work it
Each item gets treated separately: what it was, whether it's settled, and what the circumstances were. Paid items in particular are worth arguing, because the fact of payment is the strongest part of the story.
This is also personal territory for me — I cleared collections off my own credit profile when buying my home, which is a useful thing to have done before you explain it to a lender on someone else's behalf.
This is for you if
- You have collections showing, paid or unpaid
- A judgement was registered against you
- You've completed or are in a consumer proposal
- Your credit report shows items you don't recognise
Think this is your situation?
Send me the details and I'll tell you straight away where you stand — including if the answer is that it needs work first.