Frequently asked questions
If yours isn't here, send it over and we'll answer it.
What exactly do I get?
Four phases, covering how credit reporting works, correcting errors on your file, rebuilding, and budgeting. Each phase has guides, worksheets that apply the material to your own numbers, and tools you keep. Three introductory modules are free with no sign-up. Foundation gives you the whole curriculum condensed, Rebuilder the full set of guides and worksheets, Accelerator adds one-to-one sessions.
Is this credit repair?
No. We teach you how the credit system works and how to read and correct your own report. We do not contact bureaus or creditors on your behalf, and we are not a credit repair service.
Can you guarantee my score will go up?
No, and neither can anyone else. Accurate information cannot be removed from a credit report by anybody, at any price. What we can do is explain what genuinely moves a score, in what order, and roughly how long each stage takes, so your effort goes where it counts.
How long does it take?
The three free modules take most people an evening. The full curriculum runs a few weeks at a comfortable pace. The levels that include check-ins are paced around those, so they run longer by design.
Do I have to be a Summit client to enrol?
No. The courses are open to anyone in Canada, and enrolling does not sign you up for anything else or obligate you to work with us in any other capacity.
Will you ask for my banking details or SIN?
Never. On the levels that include a report walkthrough, you pull your own Equifax and TransUnion reports and we go through them with you. We don't access them ourselves and we don't want your credentials.