You took the rate to get the car.Now let’s earn the next one.
CreditON is a credit plan your dealership enrolls you in after the sale. Tell it what you can put toward credit this month. It tells you where that money goes first.
No promised scores. No deletion tricks. Just the order that moves a Canadian credit file.
Most buyers leave with a payment booklet.Nobody tells them what to do next.
The rate is ordinary.
Around 540 or 560, a mid-teens approval is common. The car was the point, and the buyer took it.
Then the store goes quiet.
The next message is a service reminder. Nobody looks at the credit file again until the next deal.
The file sets the next rate.
Lenders price from the credit report. Change what’s on it, and the next approval changes with it.
From the day you drive away to a better-rate conversation.
- 1
Drive away
You financed the car at the rate you were offered.
- 2
Get enrolled
Your dealership adds you to CreditON. You get a private login.
- 3
Name your number
Tell the coach what you can put toward credit this month. $300 and $1,500 are different plans.
- 4
Follow the order
Car payment first. Hottest card next. A collection only if a written settlement fits.
- 5
Talk about the next rate
When your file has moved, your dealer calls about a refinance or your next vehicle.
Same order every month. Only the depth changes.
The plan starts from what you actually have. Pick a monthly number and see what it covers.
About $300 left after the car payment: protect the hottest card. A collection waits.
The car payment
Always firstPaid on time, every month. A payment 30 days late is the one that gets reported.
The hottest card
All $300 hereEverything left goes to the card closest to its limit. Old cards stay open.
One collection
WaitsNot this month. Paying it marks it paid; it doesn’t erase it.
Why your credit file is worth the work.
$22,000 over six years
About $4,900 less interest on the same car.
Illustration only, not an offer. Your current loan keeps its rate. A stronger file is what makes the next approval cheaper.
Canadian scores run from 300 to 900
Ranges from Equifax’s sample report. Each lender sets its own cut-offs, and Equifax and TransUnion scores rarely match.
What actually moves a file
The biggest factor. Every on-time car payment counts.
Second biggest, and the fastest to move. Lower balances, better score.
Old cards stay open. Closing them can cost points.
Fewer applications while you rebuild. Checking your own report never counts.
A car loan and a card already make a mix. No need to add more.
One program. Both sides of the desk.
Know when a buyer is ready for a better rate.
- Enroll a buyer in under two minutes, right after the sale.
- See every enrolled buyer: where they started, where they are now.
- A ready-to-talk flag at about 40 points up, or near 650.
- Monthly soft-pull updates through AutoCorp are on the way.
A plan you can actually do this month.
- A private coach that already knows the shape of your file.
- A plan sized to the money you have, not the money you wish you had.
- Score notes and a simple chart, so you can see the climb.
- Private. Your dealership sees your score movement, not your conversations.
What we will never tell you.
Accurate history stays on a Canadian credit report for years. Anyone who says otherwise is selling something.
What “credit repair” sells
- A guaranteed score by a certain date
- Deleting accurate late payments or collections
- A promised refinance
What CreditON does
- An order of attack you can afford this month
- Free error checks on both bureaus, every month
- A real conversation once your file has moved
Ask a straight question.
The public coach answers general questions about Canadian credit. It can’t see anyone’s file, and it won’t guess.
Built by a dealer who took his own score from the 470s to near 750. The car payment never missed, the cards came down, and collections were settled only when the money was real.
Bring CreditON to your dealership.
Enroll your next buyer the day they drive away. Be the store that calls back with a better rate.