Credit in Canada, explained in plain words.
New to Canada and building your first credit file? Or fixing one that took a hit? We explain how credit works here, for your province, in the words people actually use.
Most of the site needs a paid plan. The prices, the privacy notice and the terms are free to read.
Who it is for
New to Canada
You may have no credit file here yet, or a very short one. We show you how a file starts, which cards and accounts are open to you, and what to avoid.
Rebuilding after a hard time
Missed payments, a collection, a bankruptcy. We explain how long each thing stays on your file in your province, what you can dispute, and what no one can remove.
Running a business
Business credit works differently. We cover how a company builds a file, which loans and lines have published rules, and how to keep it apart from your own credit.
What you get
- Plain-language articles about credit in Canada, for your province, in English and French.
- An assistant that answers your credit questions from those articles.
- A tool that reads the report you upload, checks it for mistakes, and writes the letters. You send them. Your reports and letters stay on your dashboard.
- A list of real products that fit your situation, with the fees shown.
How it works
- Pick your province. The law is different in each one, so every page is written for yours.
- Sign in with your email. There is no password. We send you a link.
- Choose a plan. You pay by the month or by the year, and you can cancel any time.
- Read, ask, check your report, compare products.
What it costs
$249 a month, or $2,499 a year. Canadian dollars, plus sales tax. Cancel any time. See what it costs
What we never do
We never say we can take correct information off your credit report. No one can.
We do not give advice about your own case. We give information.
Start with your province
Credit law is different in each province. Pick yours so every page is right for you.
- British Columbia
- Alberta
- Saskatchewan
- Manitoba
- Ontario
- Quebec
- New Brunswick
- Nova Scotia
- Prince Edward Island
- Newfoundland and Labrador
Live in a territory? Our pages are written for the ten provinces for now. We have not finished checking the territories' laws.
We remember your choice in your own browser only. It is never sent to us.
Questions people ask
Do you fix my credit for me?
No. We explain, and our tool helps you write letters about mistakes. You read them, you decide, you send them. No one can take correct information off your report, and we never say we can.
Will you tell me my credit score?
No. Only a credit bureau can give you your score. We explain what moves it and where to get it for free.
Is this advice about my own case?
No. We give information. Before a big decision, talk to a professional who can look at your own situation.
What do you keep about me?
Your email address and your plan dates. A report is kept only if you save it to your dashboard, and then it is locked with a key. Delete it any time. Our privacy notice says exactly what happens.
Which provinces?
All ten, in English and French. Our pages are not written for the territories yet.
Is there a version for the United States?
Not yet. We are working on one. It does not have a date.
Our page for the United States · About us and how to reach us
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