Credit score consulting · Credit to Keys
Build stronger credit. Become mortgage-ready. Own with confidence.
A low credit score shouldn't be the end of your homeownership story. I help you understand your credit, correct genuine reporting errors, rebuild after setbacks and create a realistic path to a home or investment property.
This is not magic
- A clear plan
- Accountability
- Smart financial habits that lenders recognize
Who it's for
Wherever your credit is today.
- First-time buyers with thin or damaged credit
- People carrying high credit-card balances
- Anyone with 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 you receive
Four parts, one roadmap to the keys.
A one-on-one look at your credit, debts, payment history and homeownership goal. You leave knowing what's helping your score, what may be hurting it, which debts need attention first, whether the real issue is credit, income, down payment or debt ratios, and what must happen before you speak seriously with a mortgage professional.
We identify inaccurate, incomplete, duplicated, outdated or potentially fraudulent information. In Canada, that means Equifax Canada and TransUnion Canada; you have the right to challenge information you believe is wrong, and verified errors must be corrected at no charge. We build your dispute checklist, gather documents, draft organized disputes, contact the creditor when that's faster, and track follow-ups.
A personalized plan focused on what you control: lowering revolving utilization, automating minimum payments, a debt-paydown order, avoiding unnecessary hard inquiries, keeping older accounts open when it makes sense, building an emergency fund, and choosing a suitable credit-building product where appropriate.
Your credit plan becomes an ownership strategy: a target score range, a target debt-service position, down-payment savings goals, income documentation (especially for the self-employed), a timeline for pre-qualification, a realistic price range based on today's finances, and connections to licensed professionals when needed.
Important: we never promise to remove accurate negative information. If it's true and properly reported, the focus becomes rebuilding, not hiding from it. The goal isn't simply a bigger number. It's a stronger financial profile that can support a mortgage approval.
Two pathways
Built for the country you're buying in.
- Review of Equifax Canada and TransUnion Canada reports
- Documentation for legitimate disputes
- Payment consistency and lower revolving utilization
- Debt-reduction and savings plan
- Preparation for a Canadian mortgage broker or lender
- Quebec referral network: licensed mortgage broker, notary and Licensed Insolvency Trustee
- Review of Equifax, Experian and TransUnion reports
- Documentation for legitimate disputes
- Score-improvement and debt-reduction plan
- Consumer scores vs. mortgage-lending scores, explained
- Preparation for a licensed mortgage lender or broker
- Homeownership timeline based on credit, income, debt ratios, reserves and down payment
Rebuilding after bankruptcy
Bankruptcy doesn't mean you can never own again.
It means you need a disciplined plan, patience, stable habits and the right professional guidance. In Canada, a first bankruptcy generally stays on your report six or seven years after discharge, depending on the bureau and province. In Quebec, TransUnion generally keeps it seven years; Equifax generally removes it after six. A second bankruptcy can remain for 14 years.
In the U.S., the first goal is stability: on-time payments, controlled utilization, clean reporting, documented income and savings. Then we match you with a properly licensed mortgage professional and a loan program that fits your real situation.
My role after discharge
- A post-discharge financial reset plan
- Clean payment habits from day one
- Knowing when to start rebuilding credit
- Monitoring reports for wrong dates, balances, duplicates or accounts not marked as included
- An emergency reserve, less high-cost borrowing
- A future mortgage-readiness file
- Referral to a Licensed Insolvency Trustee for debt-relief decisions
Packages
We meet first, then build a plan around you.
Credit Clarity Session
For: anyone unsure why their score is low.
Credit review and a next-step action list.
90-Day Credit Reset
For: anyone ready to make changes.
Personalized debt, payment, utilization and report-correction plan.
Mortgage-Ready Blueprint
For: future buyers within 6–24 months.
Credit plan plus savings, debt, income and pre-approval timeline.
Fresh Start to Homeownership
For: consumer proposal or post-bankruptcy clients.
Rebuild roadmap, monitoring checklist, referral plan and ownership timeline.
Advisory notes
- 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 a mortgage application or a specific 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.
Frequently asked questions
Your questions, straight answers.
Can you remove negative items from my credit report?
Only inaccurate ones. Errors can be disputed and must be corrected when verified. Accurate negative information cannot be removed; the focus becomes rebuilding.
How long does a bankruptcy stay on a credit report in Québec?
For a first bankruptcy, TransUnion generally keeps it seven years after discharge and Equifax generally six. A second bankruptcy can remain for 14 years.
Can I buy a home after a bankruptcy or consumer proposal?
Yes, with a disciplined plan: on-time payments, low credit utilization, accurate reports, documented income and savings. Timelines depend on your situation and the lender.
Is Credit to Keys available in the United States?
Yes. U.S. clients get a review of Equifax, Experian and TransUnion reports and a plan to prepare for a licensed U.S. mortgage lender or broker.
Your credit score is not your final destination.
Get your personalized Credit-to-Keys Roadmap and find out what needs to happen next. Sessions take place by Zoom.
Book your Credit Clarity Session