Steve Marshall Group

60 Years of Excellence

// Exclusive to Titanium Ford

Titanium PartnerProgram.

Declined? There’s still a way in. Bring someone on for just 6 months — qualify for better terms, a newer vehicle, and likely zero down.

6 Months

Temporary — then they’re removed

2x Credits

Both files build simultaneously

You Drive

Listed as primary owner on registration

// How It Works

Simple. Temporary. Yours.

Three steps — from where you are now to approved, in your vehicle, building your credit.

You Find Someone to Help

A friend, family member, or anyone you trust. They don’t need perfect credit — anyone can help. If you’re not sure whether someone qualifies, just ask Michael. More often than not, they do.

They’re Added Temporarily as a Credit Reference

This gets you a better approval, lower rate, and potentially zero down. The loan is in your name. They’re a temporary reference — not a co-signer, not permanent.

6 Months of On-Time Payments — Then They’re Out

After 6 months, we apply to remove them from the loan. You’re listed as the primary owner on registration. You built your credit. They built theirs. Done.

// Your Timeline

6 Months to Freedom.

Here’s exactly what happens from Day 1 to the finish line.

Day 1

Reference Added. Approval Locked In.

Your partner is added to the file. You get the approval, the vehicle, and better terms. The clock starts.

Month 1–6

On-Time Payments. Credit Builds for Both of You.

Every payment reports to Equifax and TransUnion for both files. Your credit grows. Their credit grows. Win-win.

Month 6

We Apply to Remove Your Reference.

We go back to the lender and initiate the removal process. This is built into the program from the start.

After

Primary Owner. Stronger File.

You’re the primary owner on registration and your file is stronger for it. You’re now set up to upgrade or refinance on your own terms.

// What Your Reference Needs

Almost Nothing.

We built this program to make it as easy as possible on the person helping you.

What They Provide

Simple information only

✓

Full name and date of birth

✓

Phone number and email

✓

Government-issued ID

✓

SIN number (bank may request)

✓

Employment info (bank may request)

✓

Sign a couple of documents

What They Don’t Need

No strings attached

No perfect credit required

No banking info shared

No proof of income needed

No long-term commitment

No payments made by them

// FAQ

Questions We Hear Every Day.

Straight answers. No runaround.

Is this the same as a co-signer? +

Not exactly. This is our Titanium Partner Program — exclusive to Titanium Ford. Unlike a traditional co-signer, this is designed to be temporary. After 6 months of on-time payments, we apply to remove them. It’s not a permanent arrangement.

Will it affect their credit? +

Yes — it reports like a normal account. On-time payments build their credit score. Missed payments can hurt it. The lender reviews your income and budget carefully to make sure payments are manageable. This program is built so both of you succeed.

What credit score does my partner need? +

There’s no minimum score. The better their credit, the better your terms — but anyone can help. Even someone with average credit makes a real difference to your approval.

Why does the bank need their SIN and employment info? +

9 out of 10 times the bank does not ask for it. Occasionally their fraud prevention process flags a file at random and requests additional verification. It doesn’t change your approval or the 6-month removal process — it’s standard procedure on their end.

What if I miss a payment? +

Missed payments affect both your credit and your partner’s credit. That said, the lender structures your payments around what you can actually afford — they won’t overextend you. The program is designed so you can make payments comfortably.

Who can be my partner? +

Anyone. A parent, sibling, friend, coworker — it doesn’t matter. They don’t need to be employed, have perfect credit, or share banking info. If you’re not sure whether someone qualifies, just ask Michael. More often than not, they do.

// Client Reviews

What Our Clients Say.

20+ five-star reviews. Real clients. Real deliveries.

Google Review

“I had zero faith, but Michael asked to give him a chance to help me out. To my surprise he got an approval within one day, had 3 vehicles picked out and a deal made within 2 days — despite all the hurdles. Self-employed, bad credit — no one else seemed capable of working with. These guys do what they say they can.”

Michelle Primeau

9 reviews · Google · 3 months ago

“This is the second time I have worked with Michael Filzwieser. Things moved quickly and smoothly, he stayed within my comfort range for repayment. I never waited more than a couple of hours for a reply.”

— Igor Sarkisov

“Michael was incredibly patient. As long as I make my payments on time I can trade in for the vehicle I want in a year. Thank you for your time, energy, patience and most of all kindness.”

— Cassandra Brinson

“I was so pleased with Mike. We were able to do everything over the phone and the truck was delivered right to us in Andrew. I will recommend Mike to anyone who asks.”

— Helen Weel

“Michael, Michaela, and everyone involved did absolutely amazing helping us get set up with a Christmas Miracle of the perfect car for my family. Can't thank you enough!”

— Kels Okeny

★ Read All Reviews →