creditoptimizer
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Don't Just Check Your Credit Score, Optimize It

It's never been easier to manage your credit score in Canada! With , you can start taking control of your financial future by learning how to reach and maintain your optimal credit score.

is the first simulator tool in Canada that recommends a plan of action that can help you improve your credit score and move to lower rates. With powerful calculators, personalized recommendations, and access to your full credit report, this unique credit score calculator empowers you to make informed decisions and take control of your financial future.

Powerful Tools & Resources

Dashboard

Quickly access all of the tools and resources you need to optimize your credit score.


Full Credit File

Access your full report to see detailed information that could be impacting your credit score.

dashboard

Calculators

The Target Score Calculator & Money Calculator arm you with step-by-step actions to help you achieve your optimal credit score.


Credit Coaching

An ever-growing online library of educational materials to help you improve and manage your credit.

Get Detailed Steps on How to Optimize Your Score
Full Credit File

See a full report with the detailed information that could be impacting your credit score - including your personal information, past and current accounts, credit inquiries, and more.

dashboard
Target Score Calculator

Enter your "Target Score" into our Target Score Calculator and will give you a plan of action to reach your goal in the shortest amount of time possible.

dashboard
Money Calculator

Enter a dollar amount that you'd like to put towards existing debt. will analyze your debt and recommend specific actions to help you make the most positive impact on your credit score.

Contact Us

Have a question or need support for ? We're here to help!

For technical support, please contact ScoreNavigator:

1-866-298-3562 (M-F, 8:00am - 5:00pm EST, excluding major holidays) - English Language

For credit data inquiries, please contact TransUnion at:

1-800-663-9980 (M-F, 8:00am - 8:00pm EST, excluding major holidays) - English Language

1-877-713-3393 or 1-514-335-0374 (M-F, 8:30am - 5:00pm EST, excluding major holidays) - Quebec, and French Language

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