Services
One curriculum, three levels. What changes between them is how much support comes alongside the material.
Foundation
$397
one-timeFor people who want the full curriculum and will work through it on their own schedule.
- All nine module guides
- Workbooks and handouts
- Budgeting and planning tools
- Lifetime access to updates
Rebuilder
$997
one-timeFor people actively rebuilding who want structure and someone reviewing their work.
- Everything in Foundation
- Credit report walkthrough
- A learning plan for your situation
- Scheduled check-ins
Accelerator
$1,797
one-timeFor people working toward a specific milestone with a date attached to it.
- Everything in Rebuilder
- Milestone readiness planning
- Guidance on lenders and products
- Priority support
What's in the curriculum
Nine modules, each with a guide, a workbook, and the tools that go with it.
How credit works in Canada
What Equifax and TransUnion actually track, who reports to them, and which pieces of common advice are simply wrong.
Reading your credit report
Pulling both reports at no cost, decoding the rating codes, and correcting errors — which are more common than most people expect.
Building credit from where you are
Secured cards, credit-builder products, authorized-user status, and the order to do things in — with honest timelines.
Budgeting foundations
Cash-flow mapping, irregular income, and a budget you will still be using in month four.
Emergency funds and resilience
Why the first $1,000 matters more than the next $10,000, and how to reach it on a tight month.
The credit rebuilding roadmap
Eight sequential stages toward a healthy score, with realistic timelines and expected movement at each.
Milestone goals
Readiness checklists for financing a vehicle, passing a rental application, and qualifying for a mortgage.
Banking and everyday money
Choosing accounts, cards, and products that suit your situation instead of quietly working against it.
Protecting what you built
Monitoring, fraud protection, and the habits that hold the gains in place.
What these programs are, and what they are not.
These are educational courses. They teach you how credit, budgeting, and the Canadian financial system work so you can make your own decisions. They are not credit repair or credit counselling services. Enrolling does not put you into any repayment arrangement and does not involve us contacting anyone on your behalf.
No one can lawfully promise a particular credit score or remove accurate information from a credit report. Anyone who tells you otherwise is selling something that does not exist.
Not sure which level fits?
Tell us where you are and we'll say honestly which one suits — including when the free modules are all you need.