MoneyRestart💳
CREDIT REPORT
Get your free credit report
FCAC explains how to access your reports from Equifax and TransUnion. Checking your own report does not affect your credit rating.
Get credit-report guidance ↗INDEPENDENT GUIDANCE
Debt credit and mortgage resources
Start with official consumer and government guidance. These links are selected for usefulness, not paid placement. Check current details with the source.
🛟 HELP & RESOURCES
Need more than a calculator?
Start with trusted public resources. Choose your country and the kind of help you need.
CanadaOfficial Canadian consumer and government resources
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PAYING DOWN DEBT
Build a debt repayment strategy
FCAC guidance on listing debts, comparing income and expenses, and choosing a repayment approach.
Paying back your debt ↗🤝
TALK TO SOMEONE
Getting help from a credit counsellor
Learn what counsellors do, what fees to ask about, warning signs, and how to evaluate an organization before signing up.
Credit-counselling guidance ↗⚖️
SERIOUS DEBT
Compare formal debt solutions
The federal Office of the Superintendent of Bankruptcy compares debt-management plans, consumer proposals and bankruptcy.
Compare debt solutions ↗🏠
MORTGAGE PRESSURE
Mortgage relief & renewal help
FCAC explains relief options for borrowers facing difficulty and what to consider when a mortgage renewal is approaching.
Mortgage relief options ↗Renewal guidance ↗📞
COLLECTIONS
A debt collector is contacting me
FCAC explains what information to request, how collection agencies work, and where provincial or territorial rules apply.
Debt-collector guidance ↗🧑⚖️
LICENSED PROFESSIONAL
Find a Licensed Insolvency Trustee
Use the federal OSB portal to find professionals licensed to administer consumer proposals and bankruptcies in Canada.
Open the OSB portal ↗🚨
SCAMS & BAD PROMISES
Protect yourself from debt-relief traps
Government guidance can help you recognize unrealistic credit-repair and debt-relief claims before paying anyone.
Know the warning signs ↗🛡️
FRAUD & IDENTITY THEFT
Report fraud and identity theft
The Canadian Anti-Fraud Centre explains how to report fraud and identity theft and what to do next.
Canadian Anti-Fraud Centre ↗United StatesOfficial U.S. consumer and government resources
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CREDIT & REPORTS
Understand credit reports and scores
The Consumer Financial Protection Bureau provides consumer guidance on credit reports, scores, disputes and related rights.
CFPB credit resources ↗💰
MONEY TROUBLE
Explore CFPB consumer tools
Official guidance covering debt collection, credit cards, mortgages, auto loans, student loans and other common financial problems.
CFPB consumer tools ↗📞
COLLECTIONS
Dealing with debt collection
CFPB resources explain federal debt-collection protections, common questions and steps consumers can take.
Debt-collection help ↗🤝
CREDIT COUNSELLING
Find an approved credit-counselling agency
The U.S. Trustee Program maintains a state-by-state list of agencies approved for bankruptcy-related credit counselling.
Search approved agencies ↗⚖️
BANKRUPTCY INFORMATION
Understand the bankruptcy process
The U.S. Trustee Program provides consumer information, approved-provider resources and links to bankruptcy basics.
U.S. Trustee consumer information ↗🏠
HOUSING & MORTGAGE
Find housing counselling
HUD-approved housing counsellors can help consumers understand housing and mortgage options, including delinquency and default issues.
HUD housing counselling ↗🚨
DEBT-RELIEF SCAMS
Spot debt and credit scams
The FTC publishes current warnings about debt-relief, credit-repair and mortgage-relief scams.
FTC scam guidance ↗🛡️
IDENTITY THEFT
Report identity theft and make a recovery plan
IdentityTheft.gov is the U.S. government's identity-theft reporting and recovery resource.
IdentityTheft.gov ↗
🛡️ MoneyRestart Trust Rule
MoneyRestart does not sell placement in Help & Resources. These public resources are selected because they may be useful — not because they paid to be here.
These links are provided for general education and navigation. MoneyRestart is not affiliated with or endorsed by the Government of Canada, the U.S. government, or the agencies linked above. Availability, eligibility and rules can change; verify details with the official source.