Credit GPSYou built a life in a new country. Build a Canadian credit file that matches.
Credit GPS tells you exactly what to pay, on which card, by which date — and forecasts the score lift, with a confidence band. No vague tips. No rounding. No shame.
We read your file. We do the math. You make the move.
Three layers, in order. The dollar amounts are deterministic — never made up. The explanation comes from a model. The recommendation is yours to act on, or not.
We read your balances.
Connect a credit card through Plaid. We see statement balances, limits, due dates, and reporting cycles — read-only. We never see your transactions, and we never move money.
We forecast every move.
Our utilization engine scores every payment scenario against your bureau-reporting cycle. The number you'd pay, the day you'd pay it, the lift you'd likely see.
You get one move per cycle.
A dollar amount, a card, a date. A confidence band, never a single point estimate. If you act, the file moves on the next cycle. If you don't, no nag — we'll surface the next one.
The Canadian credit system, explained like a friend would.
Every recommendation we give you comes with the mechanism behind it. The full library lives on the /learn page — start with whichever question matters most to you.
Utilization
What it is, why bureaus weight it so heavily, and where the tier boundaries actually sit.
Read it → T-3The statement-date trick
Why paying before your statement closes changes what the bureau reads — without a dollar of interest.
Read it → 850Score bands
Sub-prime, fair, good, prime. What each band qualifies you for, and the typical jumps between them.
Read it → ±Confidence bands
Why no honest forecast is a single number — and how to read the range we give you.
Read it → 0→1Thin files & newcomers
Why your score can be low even when you do everything right, and the deterministic path forward.
Read it → 6yrDamage & recovery
How long late payments, collections, and proposals stay — and how their influence decays before they drop off.
Read it →How long does this take, honestly?
The math, with nothing hidden. Plug in your card balance, decide what you can pay each month, and watch the months and interest add up. No vague tips — the actual schedule.
This is what shows up after you link your first card.
The dashboard you'll see on web and in the native apps. Click around — every screen is real markup, only the numbers are mocked.
The web dashboard is a lightweight preview. The full Credit GPS experience — push reminders, background sync, the move on your home screen — lives in the native apps.
Your move lives on your phone.
Push reminders the day before your statement closes. Score updates the morning the bureau posts. The web preview shows you what you'll see — the apps are where the work happens.
Free 1:1 coaching with a real human, while you wait.
We're accepting 50 Canadians into our pre-release Founding Members beta. Free for the entire beta — no charge, no card, no upsell. A live coach walks you through your first plan in your mother tongue, then sends a written recap.
- 45-minute first sessionOn Google Meet, with a coach who speaks your mother tongue.
- A written recap emailEvery action discussed, every date, every confidence band — in writing.
- Direct line for follow-upsReply to the recap with questions; you'll hear back within one business day.
Free for the first 500 Canadians.
Join the waitlist. We'll email you when your account is ready — usually within a week of the next cohort batch. No credit card required, no surprise charges, no upsell.