Credit Empowerment Program

Rebuilding Credit Is a Skill.
We Teach It Properly.

A 4-phase structured curriculum covering everything from understanding your credit report to reaching mortgage-ready status — with live coaching at every milestone.

The Curriculum

Four Phases. Complete Coverage.

All content — every lesson, guide, and handout — is included at every tier. Coaching sessions are what differentiate the tiers.

1

Foundation

How credit actually works in Canada, your legal rights, and how to read your report.

  • Canadian Credit 101
  • Timelines & Legal Rights
2

Error Correction

Audit your credit report and dispute inaccuracies that are holding your score down.

  • Credit Report Audit
  • Dispute Filing Process
3

Rebuilding

Secured cards, credit-builder loans, utilisation strategy, and milestone readiness.

  • Credit Rebuilding Tools
  • Utilisation & Score Engineering
  • Milestone Goals
4

Budgeting

Build a budget that protects your rebuilding plan, with an emergency fund and resilience strategy.

  • Budgeting Foundations
  • Emergency Fund & Resilience
The Rebuilding Path

Your Sequential Timeline to 700+

These 8 stages apply regardless of whether you're in a consumer proposal, DMP, debt settlement, or recovering from bankruptcy. Each one builds on the last.

Typical timeline & score gains
0
Enrolled in debt relief
Starting point
1
Secured card opened
+0 to +20
2
6 months on-time
+20 to +60
3
2nd trade line
+30 to +80
4
Errors disputed
+0 to +100
5
600+ Score
Unsecured eligible
6
650–680 Score
B-lender mortgage
7
700+ Score
Near-prime rates

Score ranges are estimates based on typical outcomes. Individual results vary based on starting score, credit history, and other factors.

Pricing

Choose Your Level of Support

All tiers include lifetime access to every lesson, PDF guide, handout, and worksheet. Coaching sessions are what differentiate the tiers.

Foundation
$397 one-time
or 3 × $139/mo

Full self-serve access to every phase, module, and handout. Learn at your own pace with no time limits.

  • All 4 phases — 9 modules of lesson content
  • Complete PDF guide & handout library (76 pages)
  • Interactive lesson widgets & calculators
  • Credit rebuilding roadmap document
  • Vetted financing resources guide
  • No live coaching sessions
Get Started
Most Popular
Rebuilder
$997 one-time
or 4 × $269/mo  ·  6 × $179/mo

Everything in Foundation, plus targeted coaching at the four highest-impact moments in your rebuilding journey.

  • Everything in Foundation
  • 4 live coaching sessions (60 min each)
  • Bureau audit session
  • Dispute filing session
  • Rebuilding plan session
  • Budget build session
  • Email support — 2-day response
  • Score check-ins at 90 & 180 days
Get Started
Accelerator
$1,797 one-time
or 6 × $309/mo  ·  9 × $209/mo

Full advisory access — one coaching session at every module milestone across all 4 phases. Complete, hands-on support.

  • Everything in Rebuilder
  • 9 live coaching sessions — one per module
  • Priority messaging — 1-day response
  • Advisor reviews your dispute letters
  • Quarterly score reviews × 12 months
  • Milestone readiness assessment
  • Vetted partner referrals (auto, mortgage)
Get Started

All tiers include lifetime access — no subscription, no expiry. Coaching sessions scheduled flexibly around your timeline.

Program FAQ

Questions About the Program

Can I start the program while still in a consumer proposal?
Yes. The self-serve content is accessible immediately. For any new credit accounts covered in Phase 3 (like a secured card), you'll need written approval from your Licensed Insolvency Trustee first — but the curriculum content itself has no restrictions on when you can start.
What's the difference between the tiers?
All tiers include 100% of the curriculum content, guides, and handouts — nothing is gated behind a higher tier. The difference is advisor time: Foundation is fully self-serve, Rebuilder adds the 4 highest-impact coaching sessions, and Accelerator adds a session at every module milestone plus priority support.
How long does the program take?
The curriculum takes most people 2–4 weeks to work through at a comfortable pace. The actual rebuilding timeline — reaching 600+, 650+, 700+ — depends on your starting point and how consistently you apply what you learn. Most clients see meaningful score movement within 3–6 months.
Does the program work for bankruptcies too, not just proposals?
Yes. The 8-stage rebuilding roadmap covers all four debt relief paths — DMP, consumer proposal, debt settlement, and bankruptcy. Phase 4 includes path-specific notes for each situation, and your coaching sessions are customized to wherever you are in the process.
Can I upgrade between tiers?
Yes. If you start on Foundation and decide you want coaching sessions, you can upgrade to Rebuilder or Accelerator and pay only the difference. Contact us to arrange an upgrade at any point.
Are the installment payments interest-free?
The installment amounts shown reflect the total program fee spread over the payment period. Confirm payment terms with your advisor at signup — payment processing fees may apply depending on method.

Ready to Start the Program?

Book a free consultation and we'll recommend the right tier for your situation.

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Available Canada-Wide · No credit check · No obligation