Credit Recovery Guides
Free, detailed guides for Canadians rebuilding their credit. Choose the guide that matches your situation.
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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.
How Long Does Bankruptcy Stay on Your Credit Report in Canada?
Learn exactly how long bankruptcy and consumer proposals stay on your Equifax and TransUnion credit reports in Canada, plus how to rebuild your credit faster after discharge.
Credit Building
Best Secured Credit Cards for Bad Credit in Canada 2026
Compare the top secured credit cards in Canada for rebuilding bad credit. Capital One, Home Trust, Neo, Refresh Financial — features, fees, and which reports to Equifax or TransUnion.
KOHO Credit Builder Review 2026: Is It Worth $7/Month for Canadians?
An honest review of KOHO Credit Builder for Canadians. How it works, pros and cons, cost breakdown, and comparison with Borrowell Credit Builder and Refresh Financial.
Free Tools
Score Impact Calculator
See exactly how much bad credit costs you per year in extra payments.
Debt Validation Letter
Free template to request proof of debt from collection agencies.
Pay-for-Delete Letter
Negotiate removal of collections from your credit report.
Debt Payoff Calculator
Compare Snowball vs Avalanche methods to become debt-free faster.
Recovery Quiz
Get a personalized credit recovery plan in 90 seconds.