Articles

Salvador Bernardo

Salvador Bernardo is a credit and debt writer at FixMyCredit.ca who covers credit scores, rebuilding credit, and disputing report errors for Canadians. He focuses on practical, judgment-free steps readers can act on to improve their credit over time.

Consumer proposal vs bankruptcy consultation in Canada

Consumer Proposal vs Bankruptcy: What Happens to Your Credit?

June 8, 2026

By Salvador Bernardo, Credit Specialist at FixMyCredit.ca · Published June 8, 2026 · Last updated July 16, 2026 Choosing a consumer proposal vs bankruptcy comes

How long bad credit stays on your report in Canada

How Long Does Bad Credit Stay on Your Report in Canada?

June 8, 2026

By Salvador Bernardo, Credit Specialist at FixMyCredit.ca · Published June 8, 2026 · Last updated July 16, 2026 Bad credit stays on your Canadian credit

Reviewing a collections notice on a credit report in Canada

When Do Collections Fall Off Your Credit Report in Canada?

July 3, 2024

When collections fall off your credit report in Canada, province by province, and what actually helps sooner.

Reviewing the legality of credit repair in Canada

Is Credit Repair Legal in Canada? Know Your Rights

April 29, 2024

By Salvador Bernardo, Credit Specialist at FixMyCredit.ca · Published April 29, 2024 · Last updated July 16, 2026 On this pageIs it legal? · Legal

Reviewing finances to fix your credit in Canada

Fix My Credit: The Complete Step-by-Step Plan for Canadians

October 9, 2023

By Salvador Bernardo, Credit Specialist at FixMyCredit.ca · Published October 9, 2023 · Last updated July 16, 2026 “Fix my credit” is one of the