Credit building for Canada
Build the credit that opens doors.
Report your on-time payments to Equifax. Track your score in real time. Get guidance on what to do next — based on your actual profile.
Free plan available · No contract · Cancel in 2 clicks
Bureau
Equifax
Monthly reports
Bureau
TransUnion
Monthly reports
Average gain1
+92 pts
in 12 months
First report
30 days
after signup
Your Canadian bank
Your bank
+ Experian · US
Reports to Equifax
No setup fees
Start in 3 minutes
Bank-level security
Everything you get
The complete toolkit. Connected.
One subscription unlocks credit reporting, a free budget app, and personalized guidance — all working together.
Credit reporting
Your payments, reported every month.
Every payment you make is reported to the major credit bureaus. That's the foundation of 35% of your credit score.
- Reports to Equifax
- Reports to Equifax
- Autopay keeps you on track, every time
- Cancel anytime — no penalties, no hidden fees
Payment history
/12 on-time
12 of 12 payments reported on-time
Full visibility
Track your Equifax score in one place.
Most credit apps only show you one bureau, or charge extra for the rest. We give you all three — side by side, updated monthly, with the score deltas you need to see progress.
- Equifax reporting included
- Side-by-side score comparison across bureaus
- Month-over-month deltas, no math required
- Same subscription, no hidden upgrades
Your bureaus
Updated Feb 2026
Equifax
Canada
680
/ 850
+22 pts
TransUnion
Canada
675
/ 850
+18 pts
Experian
U.S. only
692
/ 850
+15 pts
iBoost intelligence report™
Advice that's actually about you.
Most credit advice is generic. Our AI looks at your actual accounts, utilization, and payment patterns to tell you exactly what to do next — this week, next month, and in six months.
- What to pay first, and by how much
- Which accounts to keep open vs. close
- When to apply for new credit (or not)
- Disputed items tracked automatically
iBoost intelligence report
Updated 2h ago
Illustrative scenarios
Real patterns, from our private beta.
These scenarios illustrate common outcomes from our private beta program. Names, cities, and details have been composed for privacy — results reflect typical patterns, not individual guarantees.
★★★★★
I went from 540 to 680 in about 9 months. The AI tips were the big thing for me — I honestly didn't know which card to pay down first. Now I do.
★★★★★
Signed up after a bad breakup wrecked my credit. Three months in and I'm already seeing progress. The budget tool keeps me accountable without being preachy.
★★★★★
I tried two other credit services before. iBoost is the first one that actually explains what's happening and why. The free education modules are genuinely useful.
★★★★★
My score jumped 40 points in the first 4 months. More important — I finally feel like I understand my credit instead of just being afraid of it.
One decision left
You've seen how it works.
You've seen how it works.
The next step is about thirty seconds.
No credit check. First bureau report within 30 days. Cancel in two clicks, anytime.
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