Click play. Meet Credit Bright.
Financial stress is the number one source of stress for Canadians
And at the root of most of it is credit.
Misunderstood. Mismanaged. Never properly explained.
🍁
Not in school.
Not at the bank.
Not in the fine print nobody reads.
Credit Bright was built to fix that.
Built on Behavioral Science
Three interactive courses
Every lesson designed around how people actually learn and change behavior. Not just information. Real change.
Course One
Foundation Course
How credit actually works in Canada. Everything you were never taught, in seven sections, with interactive tools built right into the lessons.
FOUNDATION COURSE
1 · Credit is a transaction with a price
2 · The credit agreement & six key terms
3 · How to repay your debt
4 · How lenders decide
5 · The system has traps. You have rights.
6 · Building & strengthening credit
7 · Course conclusion
🧮Credit Calculator · embedded
🔬Credit Simulator · embedded
Course Two
Getting Out of Debt
A personalized plan using your actual numbers. Enter your debts, compare strategies side by side, and see exactly how to pay them off faster.
DEEP DIVE COURSE
1 · Where you stand
2 · The acceleration toolkit
3 · Which one fits you
4 · Danger zones & your plan
STRATEGIES COVERED
AvalancheSnowballBalance transfersConsolidationRefinancingWindfalls
Course Three
Negotiating Better Deals
The confidence and the exact words to pick up the phone and get a better deal from your lender. Rates. Fees. Mortgages. The biggest financial conversations of your life.
DEEP DIVE COURSE
1 · The negotiation mindset
2 · Which terms are negotiable
3 · How to ask
4 · Timing & preparation
INCLUDES
Rate negotiation scriptsFee waiver scriptsMortgage renewalCanadian calendar
Just-in-Time Tools
Three tools you keep for life
Credit Calculator
Run the numbers on any credit scenario you are facing.
CREDIT CALCULATOR
Personal LoanCar LoanMortgageCredit Card
LOAN AMOUNT
$25,000
INTEREST RATE
6.5%
MONTHLY PAYMENT
$773
TOTAL REPAID
$27,773
TOTAL INTEREST
$2,773
Credit Simulator
See the impact of any financial decision before you make it. Across all five factors lenders evaluate. Not just your score.
CREDIT SIMULATOR
Character↑ Strengthens
640→668
Capacity↑ Strengthens
42%→34%
CapitalNo change
CollateralNo change
ConditionsExternal
AI Advisor
Trained exclusively on Canadian credit information. Plain language. No jargon. Available any time you need it.
AI ADVISOR
CB
Credit Bright AI Advisor
● Online
Hi there. I'm your Credit Bright advisor. I can help you understand credit scores, compare borrowing options, or answer any question about how credit works in Canada.
I have $8,000 in credit card debt. What's the fastest way to pay it off?
What's the difference between a credit score and a credit report?
I'm thinking of buying a home. How do lenders decide if I qualify?
Ask me anything about credit...
A credential, not a participation badge
Pass the assessment and earn a certificate. Complete all three courses and earn the Master Certificate.
CREDIT BRIGHT
Foundation Course
Certificate of Completion
This certifies that
Your Name
has successfully completed the Credit Bright Foundation Course
Knowledge Score: 9 out of 10
No ads. No commissions. No credit products for sale.
Completely independent.
Built on Canadian law, FCAC guidelines, and behavioral science.
And it's not just individuals who need it.
Nearly half of employees say financial stress affects their performance at work
Missed days. Lost focus. Higher turnover. That costs employers an estimated $1,000 per employee, per year.
COST OF FINANCIAL STRESS
$1,000
per employee, per year
$200,000+
annually for a 200-person company
📉
Missed days
🧠
Lost focus
🚪
Higher turnover
For Organizations
Give your team the education and tools they need
Pre and post assessments that measure exactly how much your team's knowledge improved. Real data. Measurable outcomes. White-label options available.
ADMIN DASHBOARD
TEAM ENROLLMENT
147 / 200
PRE-ASSESSMENT
4.2/10
POST-ASSESSMENT
8.1/10
KNOWLEDGE IMPROVEMENT
+93%
Certificates issued: 134 White-label ready
Credit Bright
The standard in Canadian credit education
🍁
Your credit story can change.
The standard in Canadian credit education
Get Started →