FixMyCredit.ca is a free referral and locator service. It does not provide credit counselling, credit repair or debt advice itself, and it charges nothing. Instead, it helps Canadians find independent credit-help partners for disputing credit report errors, dealing with collections, rebuilding after a bankruptcy or consumer proposal, and building credit from scratch. The free assessment takes about 60 seconds. Any services are provided by the partner you choose, and it is always up to you whether a partner fits your situation.