From Credit Boost
We set your cards up for you.
Everything is filled in from your credit report. Load it, then just read your plan.
Add a card to begin
Your track record
What you're working toward
Set your target.
To get under 10 percent
When to pay
Your payment calendar
Pay before the closing date, not the due date. Each date below is a few days before that card reports to the bureaus.
ADD TO MY CALENDAR puts a reminder on your phone for every card, every month. COPY MY SUMMARY is the text you paste into your monthly email to us — limits, balances and closing days only. Never card numbers. COPY SETUP LINK opens this exact setup on any phone — it's how we send yours to you.
Credit Boost members
Want us to do all of this for you?
This tracker is free, and it always will be. Members just don't have to do the work. We do it, and a real person stands behind the plan.
- We fill in every card.Email us your Equifax report. We find every limit, balance, closing day and date opened, then send you one link. Tap it and your tracker is done.
- We tell you which move is yours.Pay it down, ask for a higher limit, or wait? In what order? That depends on your file, not your friend's.
- We keep you on track.A short note every month, a full review at month 3 and month 6, and a call whenever something changes.
- We plan around your big day.Mortgage, renewal, car loan. We set the timing, and tell you what not to touch before it, so nothing trips you up.
$79 a month for our first 50 members, and it stays $79 as long as you stay. No contract, no setup fee. Stop any time.
Not sure yet? Call first. Fifteen minutes and we'll tell you if we can help.
Stay on track
This month's checklist
Tick each one off as you do it. The page remembers. Come back after every statement closes.
No cards yet. Add your first one below.
Where every number lives
Most of it is already on your credit report.
Pull your free Equifax report and you'll find nearly all of this in one place, card by card. What isn't there is on your statement or in the card's app.
- Limit and what you oweYour Equifax report shows "credit limit" and "balance" for every card. The app has today's number.
- Statement closing dayOn your statement as "statement date" or "closing date", or in the app under statement details. Your Equifax report also shows a "date reported" on each card — that's the day the bank sent your balance, usually the closing day or a day or two after. Not sure? Call the bank and ask: "What day of the month do you report to Equifax?"
- Interest rateOn the statement or in the app. Look for "annual interest rate" or "purchase rate".
- Reports toIf a card is on your Equifax report but not your TransUnion, or the other way round, that's your answer. Or ask the bank.
- Last limit increaseThe app shows it under account history, or find the email or letter the bank sent. Never had one? Your Equifax report shows "date opened" for every card — use that.
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.
Two dates. Two different jobs.
The due date protects you. The closing date is what they see.
The due date
The day the bank wants at least the minimum. Miss it and you pay a fee. Miss it by thirty days and it goes on your file. Put the minimum on autopay so this date can never hurt you.
The statement closing date
The day the card takes a picture of what you owe and sends it to Equifax and TransUnion. That picture is your utilization. Pay three to five days before it, so the picture shows under ten percent.
Paying in full on the due date can still show a big balance, because the picture was taken weeks before. The closing date is the one that moves your score.
One thing this tool can't tell you
Your file is not your friend's file.
This number is real, but it's only one piece of your file. What worked for your friend can hurt you. It depends on which bank reports and when, how old your accounts are, what's on your Equifax but not your TransUnion, and what province you're in. The moves are public. Which moves are safe for you, and in what order, is not. So don't share your plan — and don't copy theirs.
That's what we do. Fifteen minutes on the phone and we'll tell you which move is yours.