Fix Your Credit in Canada

Looking for honest credit repair Canada wide? FixMyCredit.ca is a free Canadian service that connects you with trusted help to repair or build your credit, whether you’re recovering from collections, a bankruptcy or a consumer proposal, or building credit from scratch.

• ✓  Free credit assessment
• ✓  Connect with credit experts
• ✓  No cost, no obligation

Prefer to see the full plan first? Read Fix My Credit: the complete step-by-step plan for Canadians, our free 9-step credit repair playbook.

How It Works

It works in three steps: start your free request, fill out the 60-second form, and get matched with a trusted Canadian partner.

1. Start your free request, on your computer, phone or tablet, no paperwork needed.
2. Fill out the 60-second form with a few details about your situation, it never affects your credit score.
3. Get matched with a trusted Canadian partner who reviews your reports and maps out your next steps, free.

See How It Works

Credit Repair Canada Wide: What We Help With

From collections and disputes to life after insolvency, every guide below is written for Canadian credit reports: Equifax and TransUnion, the R-rating system, and the six-year purge rules that actually apply here.

Whatever you searched to get here, credit repair, credit fix, or something in between, the work is the same. A Canada credit fix that lasts means correcting genuine errors, resolving what is legitimately owed, and rebuilding with healthy accounts. That is the Canadian credit repair standard every referral we make is held to, coast to coast:

• Fix My Credit: The Full Plan9 steps, in the right order
• Rebuild After BankruptcyRecover your score after discharge
• Consumer Proposals & CreditLighter impact than bankruptcy
• Debt Consolidation & CreditHow it affects your score
• Debt Relief & Your ScoreCompare your options
• Debt Management & CreditOne payment, clear end date

What Credit Repair Can (and Can’t) Do

Real credit repair in Canada is specific: disputing inaccurate, outdated or fraudulent information (free, directly with the bureaus), resolving the debts behind the damage, and rebuilding with new positive history. What it can never do is delete accurate information early, and anyone who promises a guaranteed score increase is breaking the rules, not bending them. Our guide to your credit repair rights in Canada explains exactly what’s legal, what’s not, and how to spot the difference.

Where to Start

The credit repair Canada offers is the same playbook in every province, and it starts with three free moves:

1. Pull both credit reports, Equifax Canada and TransUnion Canada give Canadians free access, and the files differ more often than you’d think.
2. Dispute what’s wrong, errors, duplicates and not-yours accounts come off through free disputes, usually within about 30 days.
3. Deal with the debt behind the damage, collections, proposals and consolidations each mark your file differently, and the right order matters. That’s where a free assessment earns its keep.

If you want the deep version first, the guides above walk through every step, the same credit repair Canada specialists would charge for, free on this site.

Good to Know

Why FixMyCredit.ca

FixMyCredit.ca is free, Canadian-focused, and honest: no guaranteed-results promises, ever.

• Free and no obligation, checking your options never costs anything or affects your credit.
• Canadian-focused, advice built on Equifax Canada and TransUnion Canada rules, not recycled US content.
• Honest, no guaranteed-results promises; we only work with partners who follow Canadian laws and regulations.
• Educational first, our guides give you the full do-it-yourself path; the referral is there when the debt behind the damage needs a professional.

This help is available in every Canadian province and territory: FixMyCredit.ca’s free referral service works nationwide.

Credit Repair Canada Wide: What to Know in 2026

The rules of credit repair Canada wide have not changed this year, but the pace has: both bureaus now resolve most well-documented disputes inside their thirty-day window, and more lenders report to both Equifax and TransUnion, so a fix on one file usually shows on the other. What credit repair Canada residents get from FixMyCredit.ca is the same free, no-obligation connection to a debt specialist who reviews the file with you; we do not repair credit ourselves, lend money, or promise a score.

• Start with both reports, because credit repair Canada wide begins with knowing which bureau holds which error.
• Dispute errors in writing and keep every reference number.
• Accurate negatives fade on a schedule; a specialist helps you plan around it rather than pay someone to promise the impossible.

Start with the two guides Canadians use most: how to remove late payments that should not be on your report, and which secured credit cards rebuild a file fastest.

Frequently Asked Questions