The banks said no
A decline today means your file needs a plan — and that's exactly what you now have.
The banks decline without telling you why; we show you the blueprint. They don't teach us this stuff in school.
If you follow the plan, complete your actions, we're going to get you approved — you have my word.
Welcome to the program. Let's get to work.
Michael Filzwieser
Founder, Credit Path Canada · Finance Director, Titanium Ford · TD's #1 dealer in Canada
The Drive Ready Program
Four steps. Here's what happens.
01
Sign up — we take care of everything.
We create your login and upload your Equifax.
Don't lift a finger.
02
Get your personalized blueprint
We soft-pull your Equifax — every tradeline analyzed.
Built from your live file.
03
3 actions — every month, that's it.
Ranked by what moves your score fastest.
Always know exactly what to do.
04
The day everything changes.
Michael reviews and gets you approved.
Your name. Zero down.
"My credit (was) shot and I wasn't sure how I was going to get back into a vehicle. Michael took great care of me — incredibly patient with all my anxiety. As long as I make my payments on time… (I had) the vehicle I wanted in a year."
— Cassandra Brinson
Non-negotiables
Three rules. No exceptions.
Zero new applications
Do not apply anywhere without contacting us. Hard inquiries do damage.
Pay on time. Every single time.
Set up pre-authorized payments on every account. No exceptions.
Stay under 30% utilization
Keep every card under 30% of its limit. Going over drops your score, anytime.
Built for Canadian families the system forgot.
Your vehicle is still out there. Let's go get it.
Start My Drive Ready Program~50¢/day after your free trial · Cancel anytime · No contracts
Our promise
Your score moves — or we keep working with you.
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.