6 Steps to improve BAD CREDIT RATINGS

6 Steps to improve BAD CREDIT RATINGS

6 Steps to improve BAD CREDIT RATINGS

  1. Keep your nose clean, make sure you don’t do any further damage
  2. Pay all bills on time (or better yet in advance)
  3. Get a prepaid credit card
  4. Check your credit rating monthly for any errors
  5. Pay off debt rather than move it around
  6. Don’t  have multiple credit cards or excessive available credit in your name


Initially I Was Embarrassed And Humiliated | June 24th, 2015

Dear Paul & Staff,
Initially I was embarrassed and feeling humiliated to have gotten myself in such a situation. My first meeting went well and by the end of it I felt relaxed and able to feel comfortable. The staff and Paul made me feel welcome and not alone. As unfortunate as my situation was, there were many in my shoes. I would recommend this company to anyone in need.
Thank You, S.G

About Us

“We started this business in 1990 to provide one on one financial solutions. We are here to help you through your solution with dignity, respect and the highest confidence in your future.”

Paul J. Pickering CPA CA CIRP LIT

Paul J. Pickering and Associates Limited (formerly Paul J. Pickering Limited) was founded in 1990 with the ideas and thought of helping individuals deal with personal debts and the process of financial rehabilitation.

Paul Pickering graduated from the Ivey School of Business, University of Western Ontario in 1976. In 1980 Paul received his Chartered Accountants designation and his Trustee licence in 1988.

While working for a national insolvency firm, Paul saw the need of providing financial services on an individual basis without the structure of a large imposing firm. On November 1, 1990, the firm was born.

Since 1990, the firm has continued to provide one on one service to London and area. All facets of the Bankruptcy process or Proposal process are conducted within the office. Unlike other firms, we do not use contract facilities to provide the counselling required under the legislation.

All consultations are free of charge because we encourage people to understand the process. We leave the decision to the individual as to how they wish to resolve their financial situation.

Our goal is to treat everyone facing financial difficulty with dignity and respect.