The three free modules
These cover the ground that matters most, and they cost nothing. No sign-up, no email, nothing gated. Read them in any order, though they're written to run in sequence.
How credit works in Canada
Two bureaus that don't talk to each other, five factors that decide your score, and four pieces of common advice that are simply wrong.
About 12 minutesReading your credit report
Getting both files free, decoding the rating codes, spotting the errors that actually matter, and correcting them.
About 15 minutesBuilding credit from where you are
Secured cards, credit-builder products, authorized-user status, and the order to do things in — plus honest timelines for how long each stage takes.
About 14 minutesWhy these are free
Because the information in them is the information people most need before making a decision, and charging for it would mean the people under the most pressure are the ones who go without.
The six paid modules cover budgeting systems, rebuilding sequence, milestone readiness, and the habits that hold gains in place. That material is genuinely more valuable when someone is working through it with support, which is what you're paying for. But nothing in these three is held back to create a reason to buy.