A Division of Toyloan
Credit Care Coaching Program
This program has been designed specifically for our dealers and their valued clients. Too many times, we see customers walking away frustrated by another decline. It's time we turn declines into approvals — the smart way.
Our Credit Coaching System
The C.R.E.D.I.T. System
This program has been designed specifically for our dealers and their valued clients. Too many times, we see customers walking away frustrated by another decline. It's time we turn declines into approvals — the smart way.
Commitment
Credit improvement starts with commitment. Clients commit to following proven steps to rebuild their credit and improve their credit score.
Review
We review your credit bureau and credit report to identify:
- Errors and inaccuracies
- Negative items impacting your credit score
- Accounts costing you the most points
Education
We educate clients on how credit products impact their credit, including:
- Credit cards
- Lines of credit
- Student loans and installment loans
This knowledge helps you avoid common credit mistakes.
Diagnosis
We diagnose the underlying causes of credit challenges and determine what actions will have the greatest impact on credit improvement.
Instruction
Clients receive clear, step-by-step instruction on how to:
- Fix credit issues
- Improve payment history
- Reduce credit utilization
- Build stronger credit habits
Transformation
Our goal is lasting change! Credit Care by Toyloan helps transform clients into prime lending candidates with healthier credit profiles and better borrowing opportunities.
Your Coach
Steve Hawkins
Credit Care Coach • Toyloan
Steve attended St. Lawrence College, where he studied Commercial Communications. He went on to build a successful 22-year career at CKWS Television in Kingston, working as a Technical Director.
In 2002, Steve joined Walker Financial Services, where he is known for providing excellent service, respecting and valuing his dealer partners, and building strong, lasting professional and personal relationships.
Alongside his professional career, Steve has been passionate about credit coaching, helping clients better understand their financial options and work toward their goals.
Ready to Take Control
of Your Credit?
Our Credit Care coaching is completely free of charge. Whether you're looking to raise your score, remove inaccuracies, or prepare for an upcoming loan, Steve provides personalized guidance every step of the way.
Send Steve a Message
Have a question about your credit? Fill out the form below and Steve will personally follow up with you.