How to Rebuild Your Credit After Overwhelming Debt
When debt feels like a ball and chain, take solace: Metus Lykos Debt Law has designed a proven roadmap to help you rebuild your credit by eliminating what’s weighing you down.
Step 1: Debt Settlement – The Launchpad
Metus Lykos’s Debt Settlement program negotiates down what you owe—often reducing principal by 45% to 80%, all handled by legal experts so you don’t get harassed by creditors. As soon as a settlement is finalized, the account is marked “Settled‑in‑Full” on your credit report, giving your score the green light to rise. Lower balances mean reduced utilization—a key factor in rebuilding your credit.
Step 2: Credit Boost & Credit Rehab
Once debts are settled, you’re enrolled in Credit Boost—Metus Lykos’s proactive follow-up program. They provide ongoing advice, like how to responsibly use a secured credit card or qualify for new, low-interest loans. This consistent, guided approach gives you the structure you need to rebuild your credit.
Step 3: Re-Establish Healthy Credit Habits
Rehabilitating credit requires more than negotiations—it’s a lifestyle reset. Metus Lykos helps with:
- Setting up a realistic post-settlement budget
- Monitoring your credit report for accuracy and improvement
- Avoiding new high-interest debt
- Paying new accounts on time—on-time payments are the backbone of rebuilding positive credit history
With legal counsel, paralegals, financial advisors, and accountants on your side, you get a full fiduciary shield protecting your financial recovery.
What Makes Metus Lykos Unique
- Legal-level negotiation: Your rights are defended by professionals trained under Canadian contract and creditor-creditor regulations.
- Privacy and protection: Debt Settlement deals are handled one-on-one with creditors, without exposing your assets, tax info, or home details to a panel of lenders.
- Faster clean slate: Settled accounts disappear completely from your credit file after just three years—faster than a consumer proposal or bankruptcy.
Real Results & Borrowing Power
Clients consistently report higher credit scores soon after debt settlement and during Credit Boost. Metus Lykos also offers a Loan Approval Program that helps graduates qualify for new loans—within weeks of completing the program. This immediate ability to access credit responsibly supercharges your efforts to rebuild your credit.
Key Takeaways at a Glance
- Start with Debt Settlement to reduce balances and stop creditor actions.
- Enrol in Credit Boost for guided steps like secured cards and budgeting.
- Adopt consistent habits to repair and maintain your credit profile.
- Benefit from legal protection and the potential to borrow again—sooner.
Why Now Is the Time to Rebuild Your Credit
Keeping minimum payments or stacking more debt won’t help. Credit utilization and missed payments continue to tank your score. Metus Lykos offers a smarter, legal way out—where the more they save you on debt, the more motivated they are to support your journey. That’s how you rebuild your credit on solid ground.
To start rebuilding your credit with expert support, reach out to Metus Lykos Debt Law today. They’ll evaluate your situation, map out a strategy, and guide you every step of the way toward financial freedom.
👉 Visit debtlaw.ca to book your free consultation today.