Take control of your credit score
Credit rebuilding after consumer proposal
We offer custom credit rebuilding programs for people who have filed for consumer proposal in addition to our standard programs
What is a consumer proposal?
Get Expert
Advice Today
Climb offers free credit consultations for people who are struggling to improve their credit.
As part of our free credit consultation, one of our trusted experts will check the lender’s view of your TransUnion credit report, review the factors that are affecting your credit score, and talk to you about your options to build a better credit history.
Find out what’s on the lender’s view of your credit report (it’s different than what’s on the free web sites)
Understand the negative factors that are holding your credit score back
Get a personalized recommendation for how to build your credit based on your goals and budget
Why do you
need a credit
consultation?
Schedule a Consultation
What is a consumer proposal?
Climb offers credit education and recommendations to trustworthy credit rebuilding products.
Our credit education program is offered as a free newsletter series. If you’re already familiar with the basics of how to build a positive credit history, we can help you find affordable, trusted products to rebuild your credit score after a setback through our credit consultation process.
No two credit reports are the same, and no two credit rebuilding plans are the same, either.
I Want To
We may
recommend
Refinancing with one of our trusted partners
Why we like it
We work with reputable lenders who have a unique scorecard for consumer proposal clients and others with poor credit.
Details that
matter
Standard rate of 13.99% interest, requires income of $3,000 and verified employment of 6 months+.
We may
recommend
Climb Accelerator Plan
Why we like it
Build savings and a positive payment history with the best rates and customer service of any savings loan. Learn more here
Details that
matter
The cost is $150-250 admin fee which is included in the total loan amount (so you don’t pay it all at once) and 8.99% interest. Risk-free cancellation and early withdrawal available for $40 admin fee.
We may
recommend
HomeTrust Visa
Why we like it
One of the most affordable secured cards, recently updated their application process to be all digital, all the convenience of a Visa card
Details that
matter
HomeTrust Secured Visa cards require a minimum $500 security are available with a $59 fee (or $5 monthly) and 14.90% interest on purchases or no annual fee and 19.99% interest on purchases
We may
recommend
Refinancing with one of our trusted partners
Why we like it
We work with reputable lenders who have a unique scorecard for consumer proposal clients and others with poor credit.
Details that
matter
Standard rate of 13.99% interest, requires income of $3,000 and verified employment of 6 months+.
We may
recommend
Climb Accelerator Plan
Why we like it
Build savings and a positive payment history with the best rates and customer service of any savings loan. Learn more here
Details that
matter
The cost is $150-250 admin fee which is included in the total loan amount (so you don’t pay it all at once) and 8.99% interest. Risk-free cancellation and early withdrawal available for $40 admin fee.
We may
recommend
HomeTrust Visa
Why we like it
One of the most affordable secured cards, recently updated their application process to be all digital, all the convenience of a Visa card
Details that
matter
HomeTrust Secured Visa cards require a minimum $500 security are available with a $59 fee (or $5 monthly) and 14.90% interest on purchases or no annual fee and 19.99% interest on purchases
We may
recommend
Refinancing with one of our trusted partners
Why we like it
We work with reputable lenders who have a unique scorecard for consumer proposal clients and others with poor credit.
Details that
matter
Standard rate of 13.99% interest, requires income of $3,000 and verified employment of 6 months+.
Knowledge is Power
Each week of our 10-week credit education series, you’ll learn about a different credit score factor & how to improve Bankruptcy and Insolvency Act.