Credit Counseling

Credit Help That Moves You Forward

If you're feeling stuck, overwhelmed, or unsure where to start with your finances, you're not alone — and you’re not broken.

At Pathfinder Mortgages, we offer personalized credit counselling to help you understand your financial picture, create a plan, and move forward — whether you're preparing for a mortgage or just want peace of mind.

What is Credit Counseling

Credit counselling is not just about “fixing” your credit — it’s about learning how credit works, understanding your habits, and taking clear steps toward financial confidence and freedom.

We Help You:

• Understand your credit report and score

• Spot errors or risk factors hurting your score

• Build or rebuild credit history

• Create a realistic monthly budget

• Plan for major goals like homeownership, debt freedom, or financial stability

No shame. No jargon. Just real help.

Situation

First-time credit users

Newcomers to Canada

Rebuilding after debt

Preparing for a mortgage

Living paycheck to paycheck

LEARN

This is good for:

How We Help

Learn how to build credit from scratch

Understand Canadian credit & financial systems

Create a plan to recover and rebuild

Get credit-ready before applying

Build a realistic, healthy budget

Our Credit Counseling Services Include:

02. Debt Strategy & Planning

From minimum payments to consolidation ideas, we help you map a realistic plan to reduce debt without panic.

03. Budget Building

Together, we’ll create a monthly budget that reflects your real life — not just generic advice.

01. Credit Score Reviews & Education

We walk you through your credit report and explain what it means — and how to improve it over time.

We guide you through secured credit cards, trade lines, or positive credit habits that help you grow your score gradually.

04. Credit Building Tools

Planning to buy a home in 6–12 months? We’ll help you get your finances and credit in shape to qualify with confidence.

05. Mortgage Readiness Coaching

How it Works

Our easy 3- step process

01. Book a Free Discovery Call

We get to know your situation, your goals, and where you feel stuck.

02. Get a Personalized Plan

You’ll leave with clear, simple steps to start improving your credit and finances.

Want accountability or check-ins? We’ve got you. This is a journey, not a sprint.

03. Get Ongoing Support (If Needed)

Book Your Free Discovery Call

Let's talk about your mortgage or credit journey

I have a 100% response rate.