Frequently asked questions
If yours isn't here, send it over and we'll answer it.
What exactly do I get?
Nine modules, each with a plain-language guide, a workbook that applies it to your own numbers, and a tool you keep. The first three are free with no sign-up. The paid levels add the remaining six plus varying amounts of support.
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.
What's your relationship with Summit Debt Solutions?
We're their education division. We state that on every page because you should know who is teaching you and what else they do. What we sell here are educational courses — not credit repair or credit counselling services.
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.