Built to help Canadian first-time home buyers reach mortgage approval with stronger credit and less stress.

With over 15 years as a Director of Credit and Collections, I was the one on the other side of the desk — approving or denying financing. I reviewed thousands of credit files.

What I saw over and over was this: the people being denied were not irresponsible with money. They were hardworking Canadians carrying the weight of a difficult period. A job loss. A separation. A death. One hard year that their credit file had never let go of. And when the bank said no, nobody explained why. Nobody handed them a map.

I founded Credispa to be that map.

I created Credispa to guide Canadian first-time home buyers along the path to obtaining mortgage approval on the best possible terms.

Beyond securing a down payment, the quality of your credit history is equally important — and often the piece that gets overlooked.

Building or repairing a credit file requires an intimate understanding of the evaluation criteria used by financial institutions, the adoption of sound credit habits, and time.

That is the nature of the support I offer: a complete assessment, a realistic plan tailored to your personal situation or that of you and your partner, and my sustained encouragement to help you maintain new credit habits for the long term.

Credispa helps Canadian first-time home buyers understand and fix the credit factors blocking their mortgage approval — so they can qualify, negotiate better rates, and secure their home.

I work with clients across Canada, entirely remotely, in English and French.

Sherlyne Michel

Founder · Credit Expert

Credispa – Elevate your credit score.