How it works
Four steps. One clear path forward.
Upload your credit report
We analyze your Equifax bureau — every tradeline, every collection, every inquiry. Built from your real file.
Get matched to your goal
A vehicle. A mortgage. A clean slate. Your blueprint stays focused on your specific outcome — never a template.
Get your blueprint
Your file analyzed and turned into a clear month-by-month plan. 3 priorities, ranked by score impact.
Hit your goals
Complete your actions, unlock the next month, watch your score move. Month by month. No guesswork.
Meet the founder:
"I'm Michael Filzwieser — Finance Director at Titanium Ford, part of TD's #1 dealer group in Canada.
I see 30 applications a day. Twenty-nine get declined.
For years I watched good people walk away with nothing — not because they couldn't be helped, but because nobody gave them a clear plan.
I built Credit Path Canada because everyone deserves something more than a rejection slip. They deserved a roadmap."
Michael Filzwieser
Founder, Credit Path Canada
Finance Director, Titanium Ford
TD's #1 dealer in Canada
What you get
Everything you need to move your score.
Your Credit Blueprint
A personalized 24-month plan built from your Equifax bureau. Not a template. Your file, your plan, your path.
Monthly Action Plan
3 clear priorities every month, ranked by score impact. Always know what to do next.
Recommended Credit Products
Credit products we've seen work well for files like yours — with referral codes and bonuses built in.
Financial Planning Session
Access a licensed financial specialist through Brandon Kirk at Safe Wealth Planners.
Direct Line to a Finance Director
Michael Filzwieser at Titanium Ford reviews your file personally. When your file is ready — he connects you with the right financing options.
Personal Loan Access
Pre-qualify without a hard inquiry. We connect you with trusted lending partners when the timing is right.
The math is undeniable
A 580 vs 680 score on a $30,000 auto loan:
580
12% interest
~$13,000+
in interest paid
680
6% interest
~$4,000
in interest paid
Difference: $9,000+ out of your pocket.
Rates shown are illustrative. Actual rates vary by lender, term, and individual credit profile.
Credit Path Canada costs ~50¢/day.
Real Canadians. Real outcomes.
"I had zero faith. Michael asked me to give him a chance — within two days he had an approval, three vehicles picked out, and got me the exact vehicle I wanted despite bad credit and being self-employed."
Michelle P.
Vancouver, BC
Our promise
Clients who follow the program consistently see their score move.
If yours doesn't after 12 months — we keep working with you at no charge. Results vary.