Get a free credit assessment and find out exactly where you stand — we’ll connect you with a trusted Canadian debt specialist who reviews your situation and lays out your options. Free, confidential, and with no obligation.
It takes about 60 seconds, and getting connected will not affect your credit score.
How It Works
- Start your free request on your computer, phone or tablet.
- Tell us a few details about your situation — it takes about 60 seconds.
- Get matched with a debt specialist who reviews your situation and helps you build a plan.
What a Free Credit Assessment Covers
- Where the damage is — which accounts, collections or markers are actually dragging your file down.
- What your debt options are — from negotiation and consolidation to a consumer proposal, and what each would mean for your credit.
- The order to do things in — disputes first, debt second, rebuilding third; sequencing is where most do-it-yourself plans go wrong.
- What you can do free yourself — an honest specialist will tell you when you don’t need them.
What to Have Ready
You don’t need documents to start, but the conversation goes further if you know roughly: what you owe and to whom, your monthly take-home income, and whether anything is already in collections. If you’ve pulled your Equifax or TransUnion report, even better — the free credit assessment can then deal in your real numbers instead of estimates.
Good to Know
- FixMyCredit.ca is a free service — we are not a lender and we do not offer loans.
- We are not a debt counsellor or Licensed Insolvency Trustee ourselves — the free credit assessment connects you with a trusted specialist who is qualified to advise you.
- We will never ask for your banking information — the specialist you are matched with will contact you directly.
- There is no cost and no obligation to see your options, and no impact on your credit score.
Frequently Asked Questions
Is the free credit assessment really free?
Will it affect my credit score?
What happens after I submit?
Find out where you stand — free, in about 60 seconds.
Disclaimer
FixMyCredit.ca is a free service that connects Canadians with a trusted debt specialist who can help with debt and credit. We are not a lender, we do not offer loans, and we are not a debt counsellor or Licensed Insolvency Trustee. Results vary from person to person, and no one can legally guarantee a specific credit score increase or the removal of accurate information from your credit report. Any specialist we connect you with operates in accordance with applicable Canadian federal and provincial laws and regulations.
