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CRA Tax Adjustment Delays Now Stretch Up to 47 Weeks — Here's How to Avoid Getting Stuck

   July 12, 2026   If you've ever filed a request to correct or update your tax return and then waited... and waited... you're not imagining it. Canada's Taxpayers' Ombudsperson has confirmed that some Canada Revenue Agency (CRA) adjustment requests are now taking nearly a year to process — and it's launched a formal investigation into why. What's Actually Happening When you need to change something on a tax return you've already filed — say you forgot a slip, need to update a deduction, or want to claim a credit you missed — you submit what's called a T1 adjustment request. The CRA sorts these into two speeds: Routine requests (filed online through your CRA My Account or certified tax software) have a service standard of just 2 weeks . By phone or mail, the standard is 8 weeks. Complex requests — where the CRA needs more documentation or a deeper review — carry a service standard of 20 weeks . The problem: the CRA isn't hitting even its own "...
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From Setback to Comeback: Smart Loan Options and Credit Repair for Canadians


Bad credit can feel like a locked door in your financial life, but it doesn’t have to stay that way. In Canada, there are practical steps you can take to access funding while rebuilding your credit score.

1. Explore the Right Loan Options
Even with a low score, you may qualify for:

  • Debt consolidation loans – Combine multiple high-interest debts into one lower-interest payment, making it easier to manage and potentially saving you money on interest.
  • Secured loans – Use collateral, such as a vehicle, to reduce lender risk and improve your approval odds.
  • Alternative lenders – Some focus more on your income and repayment ability than your credit history.

2. Improve Your Credit Score Over Time

  • Pay bills on time – Payment history is the single biggest factor in your score.
  • Lower your credit utilization – Aim to use less than 30% of your available credit.
  • Avoid unnecessary credit applications – Too many hard inquiries can hurt your score.
  • Make extra payments when possible – This reduces your balance faster and shows responsible credit use.

3. Change the Narrative
Bad credit doesn’t define you—it’s a snapshot of your past, not your future. With consistent payments, smart borrowing, and disciplined spending, you can turn your financial story around.


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