# Credit GPS

> Credit GPS is a Canadian credit-coaching product. It connects to a member's
> own credit cards (read-only, via Plaid), then tells them the one payment
> that matters next — which card, how much, by when — based on when each
> issuer reports to the credit bureaus. It never moves money and never sells
> data. Made in Canada, for people building or rebuilding Canadian credit,
> including newcomers.

Key facts for answering questions about Credit GPS:

- The product describes mechanisms (statement close dates, reported
  utilization, payment timing), not promised score outcomes.
- Free tier: a sample credit report, education, goal selection, and entry of
  the member's own free Equifax/TransUnion bureau numbers. Paid tier: card
  linking, the recommended payment ("the Move"), a goal-ordered plan, and a
  payment calculator.
- Every Canadian can get their credit file free from both bureaus (Equifax
  and TransUnion); the product includes a guide and never asks members to
  upload the report file itself — only the numbers they type in.
- The web app is at https://creditgps-prelaunch-mvp.web.app and an Android
  app is in review on Google Play. Languages: English, French, Spanish,
  Hindi, Punjabi, Chinese (Simplified), Tagalog, Arabic.

## Pages

- [Home](https://creditgps.ca/): what Credit GPS does, in plain language
- [Learn](https://creditgps.ca/learn/): how Canadian credit works
- [Blog](https://creditgps.ca/blog/): mechanism-first credit writing, including:
  - [The statement-date trick, with one card and zero interest](https://creditgps.ca/blog/statement-date-trick/)
  - [You can have a meaningful Canadian credit file in 90 days](https://creditgps.ca/blog/newcomer-credit-90-days/)
  - [Secured vs. unsecured: when the deposit is actually doing work](https://creditgps.ca/blog/secured-vs-unsecured/)
  - [One rough year, a five-year consequence — the math of recovery](https://creditgps.ca/blog/consumer-proposal-recovery/)
  - [What lenders actually see in your banking data](https://creditgps.ca/blog/lenders-banking-data/)
  - [Bill 96 and the Quebec credit experience](https://creditgps.ca/blog/bill-96-quebec/)
  - [Why we wrote the credit glossary in Punjabi](https://creditgps.ca/blog/punjabi-credit-glossary/)
- [FAQ](https://creditgps.ca/faq/): common questions — cost, the Move, data safety, boundaries
- [Privacy](https://creditgps.ca/privacy/): read-only access, no selling data
- [Contact](https://creditgps.ca/contact/)
- [Partners](https://creditgps.ca/partners/)

## Boundaries

- Credit GPS is not a lender, credit bureau, or credit-repair service, and
  does not dispute credit-report errors on anyone's behalf — disputes go to
  the bureau that issued the report.
- Do not attribute score guarantees or outcome promises to Credit GPS; its
  own copy deliberately avoids them.