Titanium Ford
Steve Marshall Group
60 Years of Excellence
// Canada’s Credit Building Program

You’re In.Let’s Build.

Every on-time payment from here builds something real. We are with you every step of the way — from approval to upgrade.

Pick Your Vehicle
Upgrade or refinance at 8–10 months
Every Payment
Reports to Equifax & TransUnion
8–10 Months
Qualify to upgrade & refinance
// The Process
How It Works

Four stages — from where you are now to the vehicle you actually want.

Day 1
Choose Your Ride
You’re approved and in your unit. Loan reporting to Equifax & TransUnion immediately. The clock starts now.
Month 1–7
Every Payment Builds Your Score
On-time payments + active credit cards + Borrowell monitoring = real progress every month.
Month 8–10
Qualify to Upgrade or Refinance
File is ready. We go to every major lender and get you the best deal available.
Month 10+
Better Rate. Better Vehicle. Better Payment.
The vehicle you actually want, at terms that make sense. This is what we built toward.
// Your Credit Toolkit
Four Things to Do This Week

Set these up once. They run in the background and build your file while you go about your life.

💳
Neo Financial Card Priority
Canada’s top credit-building card. Apply unsecured first. If declined, get the secured card — having the card matters more than the type. Use monthly, pay in full, keep under 35% utilization.
Apply Now → neo.cc/refer/G3Y6L5A9
🍎
Tangerine Credit Card Earn $50
Your second trade line. Enter referral code 79976711S1 at sign-up to earn $50. Keep utilization under 35% and pay in full monthly.
tangerine.ca/referral — Code: 79976711S1
📊
Borrowell — Free Weekly Credit Score
Free Equifax updates every week. No hard inquiry — ever. Watch your score move in real time and know exactly when you’re ready for your upgrade.
Sign Up Free → borrowell.com
✅
Pre-Authorized Payments — Set Up Today
Every bill — loan, phone, utilities, insurance — on autopay starting today. One missed payment pushes your upgrade back 60–90 days. Remove the human error entirely.
// Credit Rules
What to Do. What Not to Do.

These habits are the difference between hitting your upgrade window on time — or pushing it back by months.

Do This
Build your file right
✓
Pay every bill on time. Even utilities and phone. Payment history is 35% of your score.
✓
Keep utilization under 35%. If your limit is $1,000, stay under $350. Pay before the statement date.
✓
Monitor with Borrowell weekly. Soft inquiry only — never affects your score.
✓
Keep old accounts open. Credit history length matters. Don’t close old cards.
✓
Contact Michael before any major financial move. New credit, large purchases, co-signing — check first.
Never This
Protect your upgrade window
✕
No new credit applications. Every hard inquiry drops your score. Don’t apply anywhere without asking Michael first.
✕
Don’t miss a payment. One missed payment sets you back 60–90 days. Set up autopay today.
✕
Don’t shop at other dealerships. Multiple inquiries signal desperation to lenders. Reply STOP to unsolicited texts.
✕
Don’t max out your card. High utilization tanks your score fast — even if you pay it off.
✕
Don’t co-sign for anyone. Their payment behaviour becomes your problem. Protect your file.
// Our Lending Partners
Backed by Canada’s Top Lenders.

When you come back for your upgrade, we go to every major institution and get you the best deal available — not a single take-it-or-leave-it offer.

One application. We do the shopping. You come back to real options — not a single take-it-or-leave-it offer.

// Real Results
Clients Who Did the Work.

These clients trusted the process. They made their payments, built their files, and upgraded. You’re next.

Emmanuel — Mercedes CLA
Azayla — VW Taos
Ruzy — Kia Seltos
Real clients. Real upgrades. Delivered across Canada.
“Committed to Your Success.”

You are not in this alone. If anything comes up — a bill you are unsure about, a credit decision, anything — reach out before you act. Protecting your upgrade window is the whole point.

Michael Filzwieser — Finance Director, Titanium Ford
// Credit Path Canada
Your Free Credit Rebuilding Dashboard — creditpathcanada.ca
Track your score and follow a personalized month-by-month rebuild plan. We can upload your credit report and create your login — just let us know and we’ll have your profile ready before your first session.
Get Started Free →