The FICO scoring model is still the same in the US and Canada, Monty. It was companies just like this one that caused Fair & Isaac to close that particular loophole.

What was happening was that companies just like this one were paying people with good credit to "lend their credit" to those with extreme poor credit. What they would do was take a poor credit client and add him as an "authorized user" to cards and lines of credit of people with years of solid credit history, flooding the poor credit client's history with good credit.

Voila! Instant credit score boost!

The problem was that lenders could no longer rely on the FICO credit scoring method to approve loans without running the risk of lending to somebody whose true score should be around 500 or so, so they were losing faith in FICO's scoring system.

FICO, to save their collective business hineys, re-wrote the scoring algorithm to not be affected by "authorized user" accounts.

The fact that paying off collections instantly slams your credit score because it makes the collection appear recent has been a known problem that "they're working to correct" for considerably longer, but it hasn't shaken the faith of the banking industry, so isn't costing FICO money... therefore it has not yet been fixed.

Banks unknowingly lending money to high risk people was threatening FICO's business. It's amazing how quickly they fixed that...:(

Just from looking at the site, it's an American service.

On the About page:
http://credit-advocate.com/about.htm

About Item Removal Services
Q: Can your service remove a judgment or public record from my credit report?
No. Only non-public records such as medical bills, credit card accounts, phone bills, or bank loans can be removed from personal credit. Fair Credit Reporting Act has 22 requirements that any account on your credit must qualify under to remain on your credit report. If there is even 1 of the 22 requirements not met the creditor must by law remove it from your credit report. CAS has credit experts that will

They talk about the Fair Credit Reporting Act which is American.
I tried to contact their customer service number: 877-386-8880 but they are not open on Saturdays.

It used to be effective. The formula has only been changed in the past 6 months or so.

seems to be some very different opinions
I wonder why?

It used to work in the past, but the FICO formula has now been reworked to close this credit loophole. These days you are throwing away your money.

These guys are ok. I know one of the guys use to be with another law firm and left the company a few years ago. They helped me get my first mortgage and since then I have referred a few friends that received help as well.

Has anyone ever used or knows of this service?

Is it cost effective and legal in Canada?

http://credit-advocate.com/about.htm

thanks in advance