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To get under 10 percent
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Everything you type stays on this device. Nothing is sent anywhere, nothing is stored on a server, and we never ask for card numbers, logins or your SIN. Clear it any time with the button below.
One thing this tool can't tell you
Your file is not their file.
This number is real, and it's only one part of your file. Whether paying a card down is even your best next move depends on who reports and when, how old your accounts are, what's sitting on your Equifax that isn't on your TransUnion, and which province you're in. The moves are public. Which moves your file can survive, in what order, is not.
That's what we do. Fifteen minutes on the phone and we'll tell you which move is yours.