Add your reports
Upload your Equifax or TransUnion PDF. Valeur reads it and lists every account in plain language, with the page it came from.
Canadian credit & debt platform
See what's on your credit file, and what to do next.
- Built for Canadian reports
- No score promises
- You approve every letter
The problem
Two credit files. Hundreds of lines. Written for lenders.
Equifax and TransUnion hold separate files on you, and they rarely match. A lender may pull only one — and a mistake on the file they pull is the one that costs you.
2
Separate files
Lenders don't have to report to both bureaus, so your two files almost never agree.
6 yrs
How long marks stay
Late payments, collections and write-offs sit on a Canadian file for about six years.
30 days
The law gives you
Under PIPEDA, a company has 30 days to answer when you ask what it holds on you.
How it works
Read both reports. Find what's wrong. Send the letters.
Your reports are kept in private storage on your account. Only you, and an advisor you are assigned to, can open them.
See what doesn't match
Balances, statuses and dates are lined up side by side, with a note on why each difference matters.
Pay it down on a plan
Track bills and settlement offers, with written confirmation checks before any money is sent.
What you get
A clear picture of your file, not a dashboard of jargon.
Every finding, sorted
Each account and finding is labelled so you can see at a glance what is helping, what is holding you back, and what you have chosen to dispute.
Working for youHolding score backDisputing
- Your accounts, explained — what each one means and the next step, with the report page it came from.
- Bureau comparison — where Equifax and TransUnion disagree, and why it matters.
- An assistant you can ask about your file in plain language, only if you allow it.
Letters
It drafts the letter. You sign and send it.
Settlement offers and bureau disputes — dated, addressed, and written from what you confirmed.
- Equifax and TransUnion mailing details built in. Anything you type wins.
- Nothing is marked ready until you approve it.
- Copy it or download it, then send it yourself.
- Valeur submits nothing on your behalf. There is no connection to any bureau.
Privacy
Your file stays private.
Pricing
Free to start. Paid when you want the reports read for you.
No score increase is ever promised. Cancel any time.
Free
$0
- Tell us about your situation
- An advisor reviews it by hand
- We get back to you with next steps
Most flexible
Plus, monthly
$14.99 / month
- Everything in Free
- Both reports read and compared for you
- Findings and evidence checklist
- Dispute and settlement letter drafts
- Bills and settlement tracking
- Ask Valeur assistant
Plus, yearly
$149 / year
- Everything in Plus, monthly
- For a longer payoff plan
- Pay once a year
Prices in Canadian dollars.
Questions