Rebuilding after a setback

A setback isn’t the end. It’s a starting point.

Missed payments, collections, or bankruptcy can feel like a door slamming shut. They’re not. Credit is rebuildable — it takes consistency and time, not magic. iBoost gives you a clear, judgment-free path forward.

You’re not alone

Rebuilding is normal — and doable

Setbacks happen to millions of responsible people — a job loss, a medical bill, a divorce, a business that didn’t work out. The damage is real, but it isn’t permanent. Rebuilding works by layering new, positive history on top of the old until the past problems carry less and less weight.

35%
Of your score is payment history — the part you rebuild
6 years
How long most negative items typically stay on a Canadian report
Day 1
When new, positive history can start
How iBoost helps

A structured path back

Fresh activity

Lay down the positive history rebuilding needs.

New, on-time activity is the foundation everything else builds on. iBoost reports it to the bureaus consistently — the steady, fresh record that recovery depends on.

  • Positive activity reported to the major bureaus
  • Autopay keeps the new history spotless
  • No setup fees, transparent subscription
  • Cancel anytime
Your fresh historyRebuilding
PastSetback
Month 1On time
Month 2On time
Month 3On time
Month 4On time
New positive history, month after month
Track recovery

See your profile climb back.

Rebuilding can feel slow when you can’t see it happening. iBoost makes the trend visible — and motivating — so you can watch the distance you’ve recovered over time.

  • A clear view of your recovering profile
  • Watch the trend over time
  • Stay motivated month over month
  • Built for Canada
Recovery trendClimbing
Start Month 12
Illustrative — progress takes consistency
Honest guidance

Support without the predatory playbook.

We can’t erase accurate negative items, and we won’t pretend to. What we do is help you build the positive side and understand the journey — no lectures, no predatory pricing.

  • Lessons on how negative items age over time
  • Realistic expectations — never false promises
  • Practical, respectful, judgment-free help
  • Built by people with 20+ years in finance
How we workHonest
Build fresh, positive, reported history
Explain how scoring recovers over time
Charge a simple, transparent subscription
Erase accurate negative items (no one can)
Promise a specific score or timeline
Honesty over false hope
Ready when you are

Your past doesn’t get a veto over your future.
Start rebuilding today.

No credit check to start. First bureau report within 30 days. Cancel anytime.

See our plans

Not ready for a paid tier? Start free instead.