Credit Acceleration Programs

4 Pillars offers complementary services to Trustee’s clients

Already filed a Consumer Proposal or Bankruptcy?

Congratulations! You have taken the first step in creating a better future for you and your family. For over 22 years, 4 Pillars has been helping consumers rebuild credit and create wealth after bankruptcies, consumer proposals, and settling debts in collection.

Dealing with debt is the first step. If you want to Fast Track your financial rehabilitation, 4 Pillars can help minimize the impact debt restructuring has on your credit rating.

There is no magic bullet to credit rebuilding. Many consumers don’t realize that credit is an important part of accumulating wealth in Canada. Credit is easily damaged, but it can take years to repair without the right information, tools, and a clear path to creating a strong credit score.

The goal of every aftercare program is to reach a score of 650 or higher and qualify for a CMHC approved mortgage.

Assuming the client has taken our exclusive credit rebuilding program and completed the program in its entirety. The outcome cannot be guaranteed because of variables outside the control of the credit rebuilding program, such as missed payments, legal action, fraud, or other issues that could occur.

Start building a stronger credit score today.

Our Credit Rebuilding Program offers you

  • Professional assessment of your credit report
  • Access to financial products to rebuild credit
  • Over 20 years of proven credit rebuilding experience
  • Access to your credit score
  • Access to your credit report
  • Over 51 offices throughout Canada
  • Access to crucial credit rebuilding products

Program Cost: $1900 for a 2 year program.

The benefits to you

  • Proven credit rebuilding that produces real results
  • Access to financial products to rebuild credit
  • Customized programs to fit your needs
  • A comprehensive credit report analysis
  • Work with a professional to review your report
  • Access to debt services to fix bad credit items
  • Clear direction on how to improve your credit rating
  • Access to credit professionals throughout the year
  • Perfect program in preparation for upcoming loans and mortgages

Here's how credit rebuilding works.

  • 1

    We assess your credit rating

    The goal is to analyze your credit report and fix any errors that might be affecting your credit score. We need to look at dealing with your debts in the collection (if any) and set you up for step 2.

  • 2

    We create a credit rebuilding plan

    We have the best credit rebuilding products in the industry. We create a customized credit rebuilding plan to increase your credit score in 24 months. Our programs work by having you obtain new credit and then use this credit responsibly.

  • 3

    Protecting your credit rating

    You have worked hard to rebuild your credit. Our goal is to make sure you don’t make any of the top 50 credit mistakes that can hurt your score. We are with you all the way, and no one is more committed to your financial future than 4 Pillars!

  • 4

    Ah, relax you can breathe again

    Enjoy the feeling of finally having your credit score restored. It’s time to think about your future, and you now have a solid foundation for creating wealth.

Services we offer:

Credit rebuilding programs available as soon as a client’s proposal has passed

  • Step 1: Credit file clean up
  • Step 2: Creating personalized credit rebuilding programs
  • Step 3: Protecting your credit rating

Bankruptcy Clients

Credit rebuilding programs available as soon as you are as discharged from Bankruptcy

  • Step 1: Credit file clean up
  • Step 2: Creating personalized credit rebuilding programs
  • Step 3: Protecting your credit rating
Additional points to consider:
  • Our programs have a 97% success rate – making us the industry leaders in Canada
  • We are the experts in post Trustee services in Canada
  • There are over Millions of Canadians with bad credit and no plan to change this; so they are excluded from mainstream banking, mortgages and low-interest loans
  • Our programs streamline your financial well-being creating wealth for you and your family years sooner than any other program in Canada
  • An estimated 20% plus of consumers file a 2nd bankruptcy or consumer proposal because they are not offered budgeting, credit rebuilding, and effective post counseling services

Speak to an expert in confidence.

Book your free consultation.

Your local office will be in touch with you promptly.


or read reviews
“The stress and worries are over. We are living again.”
Actual client testimonial. Name removed to protect privacy.
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