Free Credit Recovery Tools
Everything you need to start rebuilding your credit in Canada. All tools are free, no signup required, and designed specifically for Canadians.
Credit Recovery Quiz
90 secondsAnswer 6 quick questions about your situation and get a personalized, month-by-month credit recovery plan. Tailored to your score, income, debts, and goals.
Open Tool →Score Impact Calculator
30 secondsSee exactly how much your current credit score costs you per year in higher mortgage rates, car loan rates, insurance premiums, and credit card interest.
Open Tool →Debt Payoff Calculator
2 minutesEnter your debts and compare Snowball vs Avalanche methods. See which saves more money, which gets you debt-free faster, and get a clear payoff order.
Open Tool →Debt Validation Letter
1 minuteFree template to request proof of debt from collection agencies. Customizable with your province's consumer protection legislation. Copy or print instantly.
Open Tool →Pay-for-Delete Letter
1 minuteNegotiate removal of paid collections from your credit report. This letter template helps you request deletion in exchange for payment — in writing, before you pay.
Open Tool →Not sure which tool to start with? Take the quiz — it'll build your complete plan.
Start the Free Quiz