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250 Consumers Road Suite 810 Toronto, ON M2J4V6
Personalized Debt and Credit Counselling in Scarborough
Personalized debt and credit counselling in Scarborough
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Become debt free with the help of EmpireOne Credit Counselling team in Scarborough. Fill out and submit the “Get A Free Consultation” form. All information you submit is always kept confidential. We want you to feel confident in your options and reduce your fears and frustrations as you move towards financial freedom.

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Ask for Credit Counselling in Scarborough

Debt can be overwhelming but if you have a professional credit counsellor in Scarborough by your side, you can get through any financial crisis. Our Team provides assistance with debt options, budgeting, and educating financial literacy, we encourage people to make well-thought-out decisions to achieve their financial goals.

If you would like to get help with your debt issues, Credit Counselling in Scarborough with our team aims to get you back on track to become debt-free, contact EmpireOne Credit Solutions.

  • Relieving You from Debt with Customized Debt Solutions

    Overwhelmed by debt is very frustrating but with credit counselling in Scarborough, a debt consultant can help you customize a debt solution to get rid of your debt. With options to lower your debt amount, a manageable monthly payment plan with no interest will relieve you from your financial stress.

    Our debt consultants in Scarborough can help you reduce all unsecured debt, and stop all interest with a debt solution that best suits your needs. Know your available options, and speak with our team at EmpireOne Credit Solutions.

  • Dependable Credit Counselling

    At EmpireOne Credit Solutions, we have a dependable, knowledgeable, and experienced Credit Counselling team in Scarborough. We help you handle not only your current financial status but securing your financial future. With a free consultation in Scarborough, we discuss solutions for any of your debt issues.

  • Literacy Support

    Debt management problems? Our team provides you guidance on budgeting and how to manage your finances, for you to obtain a greater financial future. This cuts down the risk of repeating the same financial mistake of the past. EmpireOne Credit Solutions. is here to help, providing debt solutions, budget planning, credit counselling, and financial literacy.

How to end your debt issues?

No one likes to be overwhelmed by debt but reckless spending and increased credit can leave you in financial distress. A debt problem can even affect your mental and physical health, sleep, and relationships. At EmpireOne Credit Solutions, our debt counselling team in Scarborough can help put an end to your debt issues. We help people with options to reduce their debt, rebuild their credit rating, and come out of the financial status that is holding them down, without filing for bankruptcy.

With an experienced credit counselling team in Scarborough, you can expect the best credit counselling help, giving you financial advice to resolve your debt issues.

Have more questions about Credit Counselling in Scarborough? Our debt consultants can help you get through this tough time, learning how to make wise financial decisions, and giving you a reason to smile again.

A Family in the Beach
Credit Re-Establishment

There are options available to you as a consumer to help you re-establish your credit, regardless if you filed a consumer proposal or bankruptcy.

Some of these options are:

  • Pay all essential bills on time (i.e. phone, cable, rent, utilities, etc.)
  • Apply for a secured credit card.
  • Pay more than the minimum payment on your credit card.
  • Have someone co-sign a future loan whom you know and can trust.

Beacon Score

  • Excellent Credit Score — 750+
  • Good Credit Score — 700 – 749
  • Fair Credit Score — 650 – 699
  • Poor Credit Score — 600 – 649
  • Bad Credit Score — Below 599
  • Too new to rate; approved but not used
  • Pays (or paid) within 30 days of payment due date or not over 1 payment past due
  • Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than 2 payments past due;
  • Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than 3 payments past due;
  • Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or not more than 4 payments past due;
  • Account is at least 120 days overdue, but is not yet rated “9;”
  • Making regular payments through a special arrangement to settle your debts;
  • Repossession or surrender;
  • Bad debt, bankruptcy, placed for collection, or moved without giving a new address.
About us

EmpireOne Credit Solutions is dedicated to helping clients in the Greater Toronto Area who are struggling with debt and financial hardship. EmpireOne Credit’s passion is derived from the knowledge that the situation isn’t always as bad as it seems. EmpireOne guides their clients toward the best options possible, whether that is a debt consolidation, a consumer proposal or declaring bankruptcy.

Regardless of the path taken, EmpireOne Credit is proud to help clients every step of the way.

Call Us For A Free Consultation

(416) 900-2324
Browse through these FAQs to find answers to commonly raised questions
about credit counselling.

Credit counselling is a process where debt consultant/s help debtors with their debt settlement by providing financial education, budgeting, and guidance in order to reduce and eliminate their debt.

When you decide to go for credit counselling, a debt consultant/s will go through your entire financial situation. They will figure out all your available options and help you determine the best route forward. They will put you on a debt management plan and give advice about planning, budgeting, and making payments that will help improve your financial situation to prevent it from happening again in the future.

Getting a free consultation by simply talking to a debt consultant/s  won’t affect your credit score. Once in the program, it may bring down your score, depending on what your credit score is currently. Taking control of your finances and paying off your debt will outweigh any temporary dings to your credit score.

In a credit counselling program, you are paying back the full amount of debt owing. There are fees that vary depending on the agency, but there’s typically a set-up fee and a monthly fee based on a percentage of the debt owing, with the additional payments to your creditors.

Credit counselling sessions may vary in length depending on each client’s particular circumstance and the process that needs to be taken. Generally, counselling sessions should last approximately 60 minutes plus.