Questions people ask us

No. The first step is a soft credit check, which doesn't affect your score. A lender only does a full credit check if you decide to move ahead with a specific loan.

Very often, yes. Helping people rebuild after a bankruptcy or proposal is where CredRev started. We work with lenders who specialize in second chances and we'll be honest about what's possible right now.

No, and we won't. Shotgunning an application out to a pile of lenders can damage the very credit you're trying to build, since each one shows up as another inquiry on your file. We think the practice is predatory. We look at your situation first and only send your application where it actually fits.

Manufacturer promo rates are often paired with a cash-rebate trade-off behind the scenes — you generally get the low rate or the rebate, not both. Ask what you're giving up before you decide which one is actually the better deal for you.

A line of credit takes real discipline: it ties up money you might want for an emergency, and if you only make minimum payments the balance can drag on for years. A loan has a fixed payment that steadily pays down the balance on a set schedule. For most people rebuilding credit, we lean toward the loan.

Motorcycles, snowmobiles, ATVs, side-by-sides, personal watercraft, travel trailers, fifth wheels, motorhomes, boats, and cars, trucks and SUVs.

Yes. We're based in Kelowna and Vancouver and work with people across Canada.

Generally, yes. Terms vary by lender, so we'll go through the specifics with you before you sign anything.

Some lenders charge standard fees such as documentation fees. We'll show you every cost before you sign anything, so there are no surprises.

It helps, but slowly, and on its own it doesn't prove to a lender you can handle a bigger loan. It's one piece of a plan, not the whole plan.

Yes. Book a free credit consultation and we'll walk through where you stand and what you can do to improve it.