Ch. 01
The two dates
Statement date vs due date — the most expensive thing people get backwards.
Free · education-first · no accounts
The climb from R9 to R1.
Canadian credit is rated on a ladder — R9 at the bottom, R1 at the top. R1 VOUCH teaches how that ladder actually works, then lets you run the numbers on your own cards. No score-bump promises. No data leaves your phone.
Your account, itemizedStmt · R1
| Account required | No |
|---|---|
| Credit pulled | None |
| Numbers sent anywhere | None |
| Cost | $0 |
Scroll to ascend the scale.
The climb, R9 to R1
Bottom rungR9
Bad debt.
Sent to collections, written off, or bankruptcy. It feels permanent — but a rating is a track record, and track records can be rebuilt one clean month at a time.
ClimbingR5
The two dates.
Your bureau sees the balance on your statement date, not the due date. Pay down before the statement closes and a smaller number gets reported — same money, better timing.
Nearly thereR2
The number.
Utilization is the lever you control. Under 30% is healthy, under 10% is excellent — and it's a per-statement snapshot, so timing beats intensity every time.
SummitR1
Pays as agreed.
The top rung. Not a trick — a habit: use the card, pay it in full, keep the reported balance low, every month. R1 VOUCH turns that habit into a game you can win.
§ 01 · The Climb — 5 chapters
Learn the levers, not the myths.
A gamified path from R9 to R1 — quizzes, sliders, reveals, XP and streaks. The rating scale is your progress bar.
Ch. 02
The number
Utilization, and why a maxed small card hurts more than a big dollar balance.
Ch. 03
The trap
What "minimum payment" really costs — 20 years and thousands in interest.
Ch. 04
The myths
Carrying a balance, checking your own credit, closing old cards — busted.
Ch. 05
Starting from zero
Newcomer / thin file: how to build a clean record from nothing.
§ 02 · Tools — your own numbers
Run the math, not the marketing.
Four calculators that work entirely on your phone. Nothing is sent anywhere.
Tool 01
When to pay
Statement-date timing with a live utilization gauge.
Tool 02
Carry cost
Your payment vs the minimum — see the real, verified bill.
Tool 03
Payoff planner
Avalanche vs snowball across every card you hold.
Tool 04
Free vs paid
A paid "builder" subscription vs the free timing lever.
Reach R1.
Free, honest, and built for the way credit actually works in Canada. Start where you are — the climb is the same from any rung.