Your credit comeback starts now
Learn step by step how to rebuild your credit with expert guidance, powerful tools and ongoing support.
4.8 Trusted by Canadians
From financial stress to financial success
Thrive360 lets you check both credit reporting agencies, learn while you rebuild and monitor your progress across all credit channels.
Build your credit every month
Track your credit score progress
Tailored strategies from credit experts
Fix credit report errors to rebuild your credit faster
How does it work?
1
Sign up today
Get started quickly with a seamless sign-up process.
2
Free credit education
Learn about credit with 5 hours of free education—sign up today for instant access.
3
Improve your credit
Boost your credit, reach goals and unlock better financial opportunities.
Start rebuilding your credit today.
Who is it for?
Whether you’re new to Canada, rebuilding your score, or starting from scratch, we can help.
No credit history
You are a newcomer to Canada, or you’re a first-time credit builder.
Refused credit
You want to improve your credit to be approved for credit products.
Financial hardship
You’re looking to rebuild credit after financial hardship or a debt solution.
Credit scores before and after
Proof that your hard work pays off.
Before
- Credit report errors
- Credit rejections
- Poor credit utilization
After
- Higher credit score
- Solid payment history
- Financial confidence
4.8 Trusted by Canadians
Work with credit professionals every step of the way.
Regaining control of your
finances is a journey.
Backed by over 45 years of experience, our two year program provides training, practical exercises, and personalized support from your dedicated concierge team member to help you get back on track.
At Thrive360, we are committed to empowering Canadians with the knowledge and tools they need to achieve their financial goals. We have been a trusted resource, providing the essential foundation for informed financial decisions and longterm success.
Trusted by 25,000+ clients
Proven experience. Real results.
I always felt lost when it came to credit reports, but this program broke everything down in simple steps. It’s like having a personal coach for my finances.
Will
Paying early to reduce my balance before the statement date was a game changer. One small tip made a huge difference!
Nadia
My score went up 42 points in three months. I didn’t think it was possible, but the plan kept me on track and motivated.
Sobhi
We joined because we wanted to qualify for a mortgage. The guidance gave us the confidence to apply and the knowledge to keep our credit strong.
Martin
The tailored plan was exactly what I needed. It wasn’t just about numbers—it helped me change how I manage money day to day. I’m not just fixing my credit, I’m building real financial habits.
Rodrigo
Quick to set up and easy to understand. I finally know where I stand with my credit.
Ibrahim
Pricing
Two simple ways to improve your credit.
Credit Booster
$125 per month
12-month program
- 12 months of credit reports and scores
- 2 professional credit reviews
- Fix credit reporting errors up to 12 months
- 2 dedicated 1-on-1 meetings
- 12 months of customized credit rebuilding
- 30 hours of financial empowerment education
- 1 set of VIP credit access codes
- Credit Booster Loan
- 12 months of unlimited support
Credit Max 650
$80 per month
24-month program
- 24 months of credit reports and scores
- 4 professional credit reviews
- Fix credit reporting errors up to 24 months
- 4 dedicated 1-on-1 meetings
- 24 months of customized credit rebuilding
- 30 hours of financial empowerment education
- 2 sets of VIP credit access codes
- Credit Booster Loan
- Enjoy unlimited support
650 Credit Score Guarantee
Join our credit bootcamp for free
Your journey to a stronger credit score starts here.
- Free financial education
- Learn how credit scores work
- Expert guides and credit resources
Frequently Asked Questions
Who is Thrive360?
Our team brings over two decades of experience delivering financial literacy education to Canadians.
How does someone know if they have bad credit or not?
Although every situation may vary slightly as a general rule we use the 650 credit rule to gage credit worthiness.
If a credit score is above 650 from Equifax and TransUnion a credit score is considered good to excellent.
If a credit score is below 650 then a person’s credit is considered poor. In Canada, all credit scores range from 300 to 900.
Do I have to wait to pay off the Consumer Proposal to begin to rebuild credit?
Waiting is one of the most common mistakes consumers make. Once your consumer proposal is approved, it’s important to start rebuilding your credit right away.
The earlier you begin, the faster your score can rise above 650—putting you back on the path to good credit.
I want to rebuild my credit but struggling to read credit reports and I don’t know where to start?
Reading credit reports can be challenging, so once you are a client we will be inviting you to send us your most recent reports for a thorough review.
Our team will carefully examine them, ask a few confidential questions, and then provide you with a private summary of our findings. If any errors are identified, we’ll outline clear strategies to correct them.
And don’t worry—if the process takes time, we’ll be here to provide ongoing support until your credit reports are fully accurate.
Why are some accounts still showing open if I filed a Consumer Proposal?
It is common for your past accounts to show open on your credit reports. If you have any questions or need strategies to fix your credit report please reach out to Thrive360 for help. We have great strategies to help fix most credit reporting errors.