Financial stress is the number one source of stress for Canadians. Credit Bright gives you the knowledge, the tools, and a recognized certificate to change your relationship with credit for good.
App coming soon for iOS and Android
Most people never learn how credit actually works. Not in school. Not from their bank. Not from the fine print nobody reads. They learn the hard way. Declined applications. Unexpected interest charges. Stress that follows them home every night.
Anyone can search how credit works. But no search engine gives you a certificate that a mortgage broker accepts, that an employer puts in your file, that a settlement agency builds into onboarding.
Credit Bright is not a course. It is a credential. Earned through assessment, built on behavioral science, grounded in Canadian law. We do not sell credit products. We do not run ads. We do not earn commissions. Our only interest is that you understand how credit works. The knowledge changes how you think. The certificate proves it.
See the CertificateA clear path from where you are to where you want to be.
Start with a pre-assessment that measures what you already know. No judgment. Just a baseline so you can see how far you go.
Work through interactive lessons built on behavioral science, with real-time tools like the Credit Calculator, Simulator, and AI Advisor woven throughout.
Pass the post-assessment and earn your Credit Bright Certificate. A credential that demonstrates real competence, not just completion.
Not just a course you finish and forget. These tools are yours. Whenever you need them, wherever you are.
See the true cost of any loan, compare offers side by side, and understand what minimum payments are really costing you.
Model what happens to your credit score and lender profile when you take specific actions. See the impact before you commit.
Your personal credit advisor, trained exclusively on Canadian credit law and guidelines. Ask anything. Get plain-language answers grounded in Canadian content.
Not a participation badge. A credential earned through assessment, proving real competence in Canadian credit education.
Each certificate is earned by passing a post-course assessment. Complete all three courses to unlock the Master Certificate.
Demonstrates a solid understanding of how credit works in Canada. From credit reports and scores to borrowing costs, the 5 Cs of lending, and consumer protection.
Proves specialized knowledge in debt repayment strategies. Avalanche vs. snowball methods, consolidation options, and building a personal debt elimination plan.
Validates your ability to negotiate with lenders. From reducing interest rates and waiving fees to understanding your leverage and knowing when to walk away.
The highest credential Credit Bright offers. Awarded only to those who complete all three courses and pass every assessment. Demonstrates comprehensive credit competence across knowledge, strategy, and negotiation.
Every course is designed using behavioral science. Confidence anchoring, loss aversion, mental modelling, identity reinforcement. This is how real learning sticks.
Canadian credit bureau rules. FCAC guidelines. Provincial consumer protection law. Equifax and TransUnion Canada. Not American content with a Canadian flag.
Students must pass a post-course assessment to earn their certificate. This is a credential that demonstrates competence, not just completion.
Each course earns its own certificate. Complete all three to unlock the Credit Bright Master Certificate.
All three courses. All three certificates. Plus the exclusive Master Certificate, awarded only to those who complete the full program.
Give your employees the credit education and tools they need, and the data to prove it worked.
Pre and post assessment scores show exactly how much your team's credit knowledge improved. Real data, not participation rates.
See who enrolled, who completed, and how scores improved. Completion rates, time per section, certificate status. All in one view.
Your logo. Your colours. Your name on the certificate. Same behaviorally designed course underneath, branded as your own for premium positioning.
Canadian credit bureau rules, FCAC guidelines, provincial regulations. Your employees get accurate, relevant education. Not American content.
Every employee who passes earns a certificate. It goes in their file. It demonstrates your organization invested in their financial wellness.
The Credit Calculator, Simulator, and AI Advisor stay accessible after the course. Your team has credit support whenever they need it — all delivered through the Credit Bright app on iOS and Android.
We do not sell credit products or earn commissions. Your employees get unbiased education, not a sales funnel disguised as a course. Complete independence is what makes the credential trustworthy.
Start with a pilot. See the results. Roll out from there.
Talk to UsTrained exclusively on Canadian credit information. Ask anything about your credit and get plain-language answers grounded in Canadian law, guidelines, and best practices.
Trained on Canadian content only. Equifax and TransUnion Canada. FCAC guidelines. Provincial regulations. Not American advice that does not apply to you.
Included with the Foundation Course. Finish a lesson and ask the Advisor to explain it differently, apply it to your situation, or go deeper.
Your conversations stay yours. No data is shared. No profiles are built. Just answers to your credit questions, when you need them.
Things about credit that most people learn the hard way. We write them down so you do not have to.
You could have $200,000 in savings and a 580 credit score. Here is why that matters.
Only one of them is your credit score. Most people never learn the other four.
A $3,000 credit card balance at 19.99% with minimum payments takes over 30 years to pay off. Here is the math.
Credit Bright exists because most Canadians never learn how credit actually works. And the cost of not knowing is too high.
Financial stress is the number one source of stress for Canadians. It affects sleep, relationships, health, and every decision a person makes. And at the root of most financial stress is credit. Misunderstood, mismanaged, or never explained.
Credit Bright was built to close that gap. Not with another course that delivers information you could find online for free. With a credential. Earned through assessment, grounded in behavioral science, and built entirely on Canadian credit law and guidelines.
We believe the knowledge changes how you think. The tools help you act. And the certificate proves it. To yourself, to your employer, to your mortgage broker, to anyone who needs to know you understand how credit works in this country.
Every design choice, every interaction, every word exists because it helps you learn. Nothing is there to look impressive. Everything is there to be useful.
Built on Canadian credit bureau rules, FCAC guidelines, and provincial consumer protection law. We do not adapt American content. We build from Canadian ground up.
Our certificates require passing an assessment. That is what makes them worth something. A credential that anyone can get is a credential nobody respects.
We do not sell credit products. We do not earn affiliate commissions. We do not run ads. Our only interest is that you understand how credit works. That independence is what makes the education trustworthy.
Whether you are an individual with a question or an organization exploring a pilot, we would love to hear from you.