Everything you should know about FixMyCredit.ca in one sentence: we’re a free Canadian credit-help referral service. Whether you need to repair damaged credit or build credit from scratch, we connect you with trusted partners who can help – at no cost and no obligation.
What We Help Canadians With
We cover the full credit-health journey – repairing credit and building it:
- Dispute credit report errors on your Equifax and TransUnion reports
- Deal with collections and understand how they affect your score
- Rebuild after a bankruptcy or consumer proposal
- Build credit if you are new to Canada, have a thin file, or are getting your first credit card
- Understand how debt consolidation, debt relief and debt management affect your credit
How It Works
- Tell us about your situation – it takes about 60 seconds and there is no obligation.
- We match you with a trusted Canadian partner suited to your credit goals.
- Get a clear plan to repair or build your credit – the partner takes it from there.
Ready to take the first step toward better credit?
About Our Content
Every guide on this site is written for Canadian credit reports — Equifax and TransUnion, R ratings, six-year purge rules, PIPEDA — and reviewed against current federal and provincial rules. Our writer, Salvador Bernardo, covers credit repair and recovery full-time, and we update guides when the rules change, not on a fake schedule. What you won’t find: guaranteed-score promises, recycled American advice about “FICO 8” and “Chapter 7,” or content written to sell you a specific product.
About Our Partners
When you ask to be connected, we refer you to a Canadian debt specialist — professionals who work within federal and provincial rules, explain every option (including the ones that don’t involve them), and never charge you for the introduction. We’re upfront about how the site is funded: partners may compensate us for referrals, which is what keeps everything here free. That compensation never changes the advice in the guides.
Why Canadians Use FixMyCredit.ca
- Free and no obligation – checking your options never costs anything or affects your credit.
- Canadian-focused – everything is based on Equifax Canada and TransUnion Canada, not US advice.
- Honest – we never promise guaranteed results, and we only work with partners who follow Canadian laws and regulations.
Frequently Asked Questions
Is FixMyCredit.ca free to use?
Are you a lender or a credit-repair company?
Does using FixMyCredit.ca affect my credit?
What about how the site makes money?
