Services
One program, three levels. What changes is how much of the material you get, and whether sessions come with it.
Foundation
$397
one-timeThe whole curriculum in condensed form, for people who want the material and will work through it alone.
- All four phases, condensed
- Every lesson, self-serve
- Lifetime access to updates
Rebuilder
$997
one-timeThe complete program — every guide, worksheet and tool, in full.
- Everything in Foundation
- All eight full guides
- 23 worksheets, trackers and templates
- Annotated sample report and letter templates
Accelerator
$1,797
one-timeThe full program with one-to-one sessions at every stage.
- Everything in Rebuilder
- Seven one-to-one sessions
- Report review and planning support
- Priority support
The four phases
Four phases. Each contains full guides, the worksheets that go with them, and the tools you keep.
Foundation
How credit reporting works in Canada, how your score is calculated, and what every section of your report is actually telling you — plus the legal timelines that govern when items come off.
Error Correction
A structured audit of both bureau files, then filing and escalating corrections properly. Post-insolvency reports average four to seven errors; most people find one or two.
Rebuilding
Secured cards, credit-builder loans and authorized-user status compared honestly. How utilisation is really calculated and timed. Readiness for a car, a rental, and a mortgage.
Budgeting
A budget built around real numbers that protects your rebuilding payments, and an emergency fund that doesn't derail them.
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.