Answer a few quick questions and we will build a step by step plan made for your situation, ordered to help you the fastest. No sign up, and your answers stay on your device.
Why we ask: your answers only shape which steps appear in your plan. Nothing is sent anywhere.
If keeping up feels like too much right now, a Credit Counselling Society coach can walk through your options with you. It is free, confidential, and judgment free.
Our non-profit counsellors have helped hundreds of thousands of Canadians since 1996.
Talk to a coach for freeThat took real commitment, and every one of those steps is working for you now. Keep paying on time and keeping your balances low, and your credit will keep climbing.
One last healthy habit: set a reminder to pull your free credit report again in about 6 months. When you do, retake the quiz here to see how far you have come.
Want a free second opinion on your plan? A non-profit counsellor can look at it with you.
Talk to a counsellorThis tool is for general education and gives a personalized starting point, not a guarantee. Your credit is scored by Equifax and TransUnion, and timelines vary by situation. Reviewing your credit report every 6 to 12 months is a healthy habit.