On mobile?
Knowing your credit score is the first step to taking control of your financial future. At CCDR Inc., we’re passionate about helping Canadians understand and improve their credit health. That’s why we’ve partnered with KOHO to offer you free access to your credit report and score.
With KOHO, checking your credit doesn’t mean a ding on your score or paying expensive fees. Instead, you get real-time insights that help you make smarter decisions whether you're rebuilding, maintaining, or growing your credit.
Why check your credit with KOHO?
Absolutely free no subscription, no hidden charges
View your credit score and full report from Equifax, one of Canada’s leading bureaus
Check as often as you like with no impact to your score
Get actionable tips to improve and protect your credit health
All available in the KOHO mobile app simple, secure, and user-friendly
If you’re already working on your finances with CCDR™, this is the perfect companion tool to track your progress.
Knowledge is power and your credit report is the roadmap.
KOHO's Better than Debit Secured Credit Card
At CCDR Inc., we’re committed to helping Canadians build stronger financial futures. That’s why we’ve partnered with
KOHO a modern, no-fee spending account that helps you save money, build credit, and take control of your day-to-day finances.
Whether you’re working on rebuilding your credit or simply looking for a smarter way to manage your money, KOHO offers powerful features designed to put you in charge:
- No monthly fees or hidden charges
- Instant cash back on everyday purchases
- A reloadable Visa card that works like a debit card, but earns like a credit card
- Credit building tools that actually work
- Real-time insights and budgeting tools to help you stay on track
As a trusted KOHO partner, we’re excited to offer this tool to our clients and signing up is quick, easy, and risk-free.
You deserve a financial tool that works for you, not against you.
KOHO Spending & Savings Accounts – Built for Real Life
At CCDR Inc., we know that managing your money can feel overwhelming especially when you're trying to rebuild your credit, reduce debt, or just make smarter financial choices.
That’s why we’ve partnered with KOHO, a Canadian fintech2 Column leader offering spending and savings accounts designed with real people in mind no hidden fees, no credit checks, and no nonsense.
Whether you’re looking for a better way to budget or just want to escape the costly traps of traditional banking, KOHO has an account that works for you:
💳 KOHO Easy (Free)
- No monthly fee
- Earn 1% cash back on groceries, transportation, and more
- Real-time spending insights & automated savings tools
💰 KOHO Extra
- Earn up to 2% cash back on key categories
- No foreign transaction fees
- Faster access to direct deposits & premium features
💼 KOHO Everything
- All KOHO Extra features, plus priority support and higher cashback
- Unlimited access to KOHO’s full suite of tools
KOHO accounts are perfect for anyone looking to simplify their money, grow their savings, and take back control without the usual banking headaches.
Build Your Credit No Credit Card Required
Struggling with poor or no credit history? You’re not alone and you’re not out of options. At CCDR Inc., we understand the challenges Canadians face when trying to rebuild their credit. That’s why we’ve partnered with KOHO, a trusted Canadian financial platform offering a safe, low-risk way to build credit without taking on debt.
KOHO’s Credit Building program is simple, affordable, and effective, helping you improve your credit score month after month, automatically.
Here's how it works:
- No credit check required to get started
- Just $10/month no interest, no hidden fees
- KOHO reports your payments to Equifax, one of Canada’s major credit bureaus
- Cancel anytime, no commitment or penalty
- Monitor your credit score progress right in the KOHO app
You don’t need a traditional credit card or loan to build credit. KOHO offers a new way forward especially if you're recovering from financial hardship or just getting started.
Start building the credit you deserve and unlock better financial opportunities.
Never Miss a Payment Again with KOHO Cover
Life happens and sometimes that means unexpected expenses or a tight week before payday. At CCDR Inc., we know how one small overdraft can spiral into fees, stress, and setbacks. That’s why we’ve partnered with KOHO, offering a simple, flexible solution: KOHO Cover.
Cover gives you instant access to up to $250 with no interest and no credit check helping you stay on track and avoid costly bank fees.
Here’s how KOHO Cover helps:
Get up to $250 instantly when your balance runs low
No interest, no hidden fees, no stress
Repay automatically when your next direct deposit arrives
No credit check required to qualify
Use it for emergencies, unexpected bills, or just a little breathing room.
It’s peace of mind when you need it most and a smarter alternative to traditional overdraft or payday loans.
Stop worrying about small shortfalls. With KOHO Cover, you're covered.
A Line of Credit That Works for You — Not Against You
At CCDR Inc., we help Canadians regain financial control and that includes finding fair, flexible borrowing solutions when needed. That’s why we’ve partnered with KOHO, who now offers an easy-access line of credit designed to help, not hurt.
Unlike traditional lenders or payday loans, KOHO’s line of credit gives you access to funds you can actually afford with
no surprises, no stress, and no outrageous interest.
Here’s what makes KOHO’s Line of Credit different:
Borrow up to $1,000 based on your income, not your credit score
No hard credit check to apply
Interest rates as low as 13.5% (vs. up to 400%+ with payday loans)
Use what you need, repay on your terms
Apply right through the KOHO app in just minutes
Whether you need help managing cash flow, covering an emergency, or avoiding high-interest alternatives, KOHO offers a
safer way to borrow responsibly.
DividerA line of credit you can trust. A lender that puts your needs first.
Important Information:
"CCDR Inc., a well-established professional organization, has assisted thousands of Canadians in resolving debt situations over the past two decades. Please note, CCDR Inc. is not a Licensed Insolvency Trustee. If your situation requires the services of a trustee, one will be appointed. All service outcomes are based on averages observed over 20 years. Your personal information is strictly confidential and will be handled with the utmost discretion."
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CCDR™ does not provide services under the Bankruptcy Insolvency Act
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