The personal finance learning hub

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.

Debt

Understanding and managing debt in Canada.

Managing debt in Canada

In a nutshell

Learn about how debt works in Canada and explore many of the issues associated with debt so you can resolve your debt problems.

Debt relief

A guide to debt relief options in Canada.

Canada debt relief

In a nutshell

Learn about the pros and cons of the many debt relief solutions available so you can determine which one is right for you.

Debt collection

Learn how debt collection works in Canada.

Debt collection in Canada

Consumer proposal

A formal agreement to reduce and settle debt.

Consumer proposal

In a nutshell

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.

Bankruptcy

Release the burden of debt and make a fresh start.

What is bankruptcy - Bankruptcy in Canada

In a nutshell

Learn how bankruptcy allows you to freeze interest on your debts, halt legal action, end wage garnishments, and eliminate your debt.

Insolvency Trustees

Learn about Licensed Insolvency Trustees (LITs).

Licensed Insolvency Trustees Canada

In a nutshell

A Licensed Insolvency Trustee provides debt advice and services to Canadians with financial difficulties.

Credit scores

Learn how Canadian credit scores work.

Canadian credit scores

In a nutshell

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.

Credit reports

Understand your credit report so you can manage credit better.

Canadian credit reports

In a nutshell

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.

Credit ratings

Learn how Canadian credit ratings work.

Canadian credit ratings

In a nutshell

Discover how credit ratings work, why payment history affects your credit rating and how this all connects to your overall credit score.