Three things, then we begin.

You have two credit files in Canada, and they don't match. Things sit on one that aren't on the other. Both are free — you're entitled to them by law, and checking your own file is a soft inquiry that does not affect your score.

1. Never pay. Both reports are free. If a page asks for money, close it.
2. Save each report as a PDF.
3. Email it to info@creditboost777.com with your name in the subject. Only have Equifax? Send that. It's enough to start.
4. In the same email, tell us the day each card reports to Equifax. Call the bank and ask: "What day of the month do you report to Equifax?" Write the answer next to the card name. That day is what your whole plan is built on.

Why you and not us: pulling it yourself keeps it a soft inquiry and keeps you in control of your own file. It's also the fastest route — no authorisation forms, no waiting.

Your reports tell me what happened. These tell me what you're aiming at — and the answers change which moves I recommend and in what order.

Reply to your welcome email with answers to these:

1. What are you trying to get approved for, and by when? A date matters more than anything else here.
2. What's your best guess at your current score?
3. For each credit card: the bank, the limit, and the day of the month the statement closes. That closing day is the day the card reports to the bureaus — it decides when you pay, how many times, and how much. It's on your statement as "statement date" or "closing date", or in the app under statement details. Not sure? Call the bank and ask: "What day of the month do you report to Equifax?" Easiest way: set your cards up in the utilization tracker and tap Copy my summary — paste that in.
4. Are all your payments currently up to date?
5. Has a collection agency contacted you in the past two years?
6. Have you applied for any credit in the last six months?
7. Is anything on your report you don't recognise?
8. What have you already tried that didn't work?
9. Who told you about Credit Boost? If someone sent you, name them — their next month is on us.

Set this once in your online banking and it takes care of itself. Most Canadian banks let you schedule a recurring Interac e-Transfer.

1. Open your online banking and go to Interac e-Transfer.
2. Add billing@creditboost777.com as a recipient. The name shown will be 2188815 Ontario Inc. — that's us.
3. Choose recurring or scheduled transfer — monthly, starting today.
4. Put your full name in the message field so we can match the payment to your file.

No security question needed — our account uses Autodeposit, so it lands automatically. You can change or stop it yourself any time from your own banking. No contract, no cancellation call.

You're one of the Founding 50. $79 is locked in for as long as you stay with us — it goes to $99 once the first fifty spots are gone.