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Credit Recovery Guides

Detailed, scenario-specific guides to help you rebuild your credit step by step.

Divorce

How Divorce Destroys Your Credit Score (And How to Fix It)

Learn how divorce impacts your credit score through joint accounts, missed payments, and legal battles, plus a step-by-step recovery plan.

10 min read
Payday Loans

Escaped the Payday Loan Trap? Here's How to Rebuild Your Credit

A complete guide to rebuilding your credit after payday loans. Break the cycle, deal with collections, and build a solid credit foundation.

10 min read
Student Debt

Student Debt is Killing Your Credit: A Recovery Guide for Canadians

How to manage student debt while rebuilding your credit score. Includes Canadian repayment assistance programs and credit-building strategies.

10 min read
Bankruptcy

Rebuilding Credit After Bankruptcy in Canada: A Month-by-Month Plan

A detailed timeline for rebuilding your credit after bankruptcy or consumer proposal in Canada. Month-by-month steps with recommended tools.

12 min read
Credit Score Hero

Free personalized credit recovery plans for Canadians. No signup required. Turn your credit setback into a recovery.

🇨🇦 A Canadian resource — serving Canadians only.

Resources

  • Recovery Quiz
  • Score Impact Calculator
  • Recovery Guides
  • Debt Validation Letter
  • Pay-for-Delete Letter

Recovery Guides

  • After Bankruptcy
  • After Divorce
  • Student Debt
  • Payday Loans

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Disclaimer: The information provided on this website is for educational purposes only and does not constitute financial advice. We are not financial advisors, credit repair organizations, or licensed professionals. Always consult with a qualified financial professional before making financial decisions.

Credit Score Hero is a free Canadian resource. We recommend products available to Canadian residents only. All credit score references use the Equifax Canada / TransUnion Canada scoring model (300-900). Provincial consumer protection laws apply.

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