Whether you need help with debt or improving credit, this is your hub for all things money. Take control of your money and improve your financial health.
Understanding and managing debt in Canada.
Learn about how debt works in Canada and explore many of the issues associated with debt so you can resolve your debt problems.
A guide to debt relief options in Canada.
Learn about the pros and cons of the many debt relief solutions available so you can determine which one is right for you.
Learn how debt collection works in Canada.
Learn debt collection laws in Canada and what to do if a debt collection agency contacts you.
A formal agreement to reduce and settle debt.
A consumer proposal is a legally binding agreement between you and your creditors that allows you to reduce your debt, keep your assets and stop collection action.
Release the burden of debt and make a fresh start.
Learn how bankruptcy allows you to freeze interest on your debts, halt legal action, end wage garnishments, and eliminate your debt.
Learn about Licensed Insolvency Trustees (LITs).
A Licensed Insolvency Trustee provides debt advice and services to Canadians with financial difficulties.
Learn how Canadian credit scores work.
Learn how your credit score affects your financial health, discover how your credit rating impacts your credit score and how this information appears on your credit report. See what you can do to improve your credit score.
Understand your credit report so you can manage credit better.
A credit report can help you understand how credit products and your financial behaviour affect your credit. Learn how to access and read your credit report, understand credit checks and take steps to improve your credit report.
Learn how Canadian credit ratings work.
Discover how credit ratings work, why payment history affects your credit rating and how this all connects to your overall credit score.