Build stronger credit. Become mortgage-ready.

Own with confidence.
 

CREDIT SCORE CONSULTATION: Credit to Keys

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A low credit score should not be the end of someone’s homeownership story. Bridge Hennessey helps clients understand their credit, clean up genuine reporting errors, rebuild after financial setbacks, and create a realistic path toward buying a home or investment property.

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This is not magic. It is a clear plan, accountability, and smart financial habits that lenders recognize.

 

Who it’s for:

• First-time buyers with thin or damaged credit

• People carrying high credit-card balances

• Clients who have missed payments, collections, or old accounts reporting incorrectly

• Self-employed people who need to improve both credit and mortgage readiness

• People rebuilding after a consumer proposal or bankruptcy

• Future homeowners who want to prepare 6, 12, or 24 months before applying

 

WHAT A CUSTOMER RECEIVES

1. Credit Score & Report Review

A one-on-one review of the client’s credit situation, debt picture, payment history, and homeownership objective.

 

They leave knowing:

• What is helping their score

• What may be hurting it

• Which debts need attention first

• Whether the issue is credit, income, down payment, debt ratios, or a combination

• What needs to happen before speaking seriously with a mortgage professional

 

2. Credit Report Accuracy Review

We help clients identify inaccurate, incomplete, duplicated, outdated, or potentially fraudulent information on their credit reports.

 

For Canadian clients, this means reviewing reports from Equifax Canada and TransUnion Canada and organizing supporting documents for a dispute. Canadians have the right to challenge information they believe is incorrect, and the credit bureaus must correct verified errors at no charge.

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At Bridge Hennessey, we can help clients:

• Build a clear dispute checklist

• Gather statements, receipts, payoff letters, and identity documents

• Draft organized dispute communications

• Contact the reporting creditor when that is the fastest route to correction

• Track follow-ups and revised reports

 

Important: We do not promise to remove accurate negative information. If it is true and properly reported, the focus becomes rebuilding, not hiding from it.

 

3. Score-Building Action Plan

Every client gets a personalized 90-day credit improvement plan focused on the factors they can control.

 

That may include:

• Bringing revolving credit utilization down

• Setting up automatic minimum payments to protect payment history

• Creating a debt-paydown order

• Avoiding unnecessary hard credit applications

• Keeping older accounts open when appropriate

• Correcting reporting mistakes

• Building a realistic emergency fund so credit is not used for every surprise

• Choosing a suitable secured-credit or credit-building product where appropriate

 

The goal is not simply “a bigger number.” The goal is a stronger financial profile that can support mortgage approval and homeownership.

 

4. Mortgage-Readiness Roadmap

A credit score is only one part of buying real estate. Bridge Hennessey turns the client’s credit plan into a broader ownership strategy.

 

The roadmap can include:

• A target credit-score range

• A target debt-to-income or debt-service position

• Down-payment savings targets

• Income-documentation preparation, especially for business owners and self-employed clients

• A timeline for when to seek pre-qualification or mortgage advice

• A realistic price range based on today’s finances, not just a lender’s maximum approval

• A connection to an appropriate licensed mortgage professional, realtor, notary, insolvency professional, or other specialist when needed

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Canada pathway | Credit to Keys: Canada

For clients in Canada, the service should be built around Canadian credit reporting, debt rules, and mortgage readiness.

 

Core approach

• Review both Equifax Canada and TransUnion Canada reports

• Identify report discrepancies and prepare documentation for legitimate disputes

• Build payment consistency and lower revolving utilization

• Create a debt-reduction and savings plan

• Prepare the client for a conversation with a Canadian mortgage broker or lender

• Include a Quebec-focused referral network where relevant: licensed mortgage broker, notary, and Licensed Insolvency Trustee

 

Rebuilding after bankruptcy

A bankruptcy does not mean somebody can never own again. It means they need a disciplined plan, patience, stable financial habits, and the right professional guidance.

 

For a first bankruptcy, the record generally remains on a Canadian credit report for six or seven years after discharge, depending on the bureau and province. In Quebec, TransUnion generally retains a first bankruptcy for seven years after discharge; Equifax generally removes it six years after discharge. A second bankruptcy can remain for 14 years.

 

Bridge Hennessey’s role after bankruptcy:

• Create a post-discharge financial reset plan

• Help the client establish clean payment habits

• Review when it may make sense to begin rebuilding credit

• Monitor reports for incorrect dates, balances, duplicate records, or accounts not properly marked as included in bankruptcy

• Build an emergency reserve and reduce dependence on high-cost borrowing

• Prepare a future mortgage-readiness file, including income stability, savings, debt management, and credit rebuilding

• Refer the client to a Licensed Insolvency Trustee for advice on bankruptcy, consumer proposals, or debt-relief decisions

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We do not erase legitimate bankruptcies, collections, or late payments. We help you rebuild from where you are, with a clear plan, better habits, accurate reporting, and a realistic path toward owning real estate.

 

U.S. pathway | Credit to Keys: United States

For U.S.-based clients, Bridge Hennessey can use a similar framework while ensuring all mortgage, credit-repair, and referral activity is handled in compliance with applicable federal and state requirements.

 

Core approach

• Review consumer reports from Equifax, Experian, and TransUnion

• Identify legitimate inaccuracies and organize documentation for disputes

• Build a score-improvement and debt-reduction plan

• Explain the difference between consumer scores and mortgage-lending scores

• Prepare clients for conversations with a licensed mortgage lender or broker

• Develop a homeownership timeline based on credit, income, debt ratios, reserves, and down payment

 

U.S. bankruptcy positioning:

Starting after bankruptcy does not mean starting without hope. The first goal is stability: on-time payments, controlled utilization, clean reporting, documented income, and savings. Once those pieces are in place, the next step is matching the borrower with a properly licensed mortgage professional and a loan program that fits their real situation.

 

Our Packages (We’ll meet with you first to create a customized plan tailored specifically to your needs.)

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Credit Clarity Session

Someone unsure why their score is low

Credit review and next-step action list

90-Day Credit Reset

Someone ready to make changes

Personalized debt, payment, utilization, and report-correction plan

Mortgage-Ready Blueprint

Future buyer within 6–24 months

Credit plan plus savings, debt, income, and pre-approval timeline

Fresh Start to Homeownership

Consumer proposal or post-bankruptcy client

Rebuild roadmap, credit monitoring checklist, professional-referral plan, and ownership timeline

 

Advisory Notes

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• Bridge Hennessey provides financial education, coaching, organization, and mortgage-readiness planning, not legal advice, insolvency advice, credit-bureau decisions, or a mortgage approval.

• No promised score increase, deletion of accurate negative information, loan approval, interest rate, or timeframe.

• For debt settlement, consumer proposals, or bankruptcy decisions, clients are referred to a Licensed Insolvency Trustee.

• For an actual mortgage application or recommendation of a particular mortgage product, clients are referred to a properly licensed mortgage professional.

• Clients must never create a new identity, misstate income, stop paying legitimate debt, or dispute information known to be accurate.