How do I check my credit score for free in Canada?

You can check it free through services like Borrowell (Equifax) and Credit Karma Canada (TransUnion), and many bank and card apps now show a free score. These 'soft' checks do not hurt your score.

What is a good credit score in Canada?

Canadian scores range from 300 to 900. Roughly, 660+ is good, 725+ is very good, and 760+ is excellent. Under about 660 makes borrowing harder and more expensive.

Does checking my own credit score lower it?

No. Checking your own score is a soft inquiry and does not affect it. Only hard inquiries from lenders when you apply for credit can ding your score slightly.

Money Talks / Credit

How to check and improve your credit score in Canada (free)

Updated June 2026 · 5 min read · Credit

You can check your credit score free through Borrowell (Equifax), Credit Karma Canada (TransUnion), and many bank apps, checking your own score never hurts it. Canadian scores run 300 to 900: roughly 660+ is good, 725+ very good, 760+ excellent. The fastest ways to raise it: pay on time, keep your card balances under ~30% of the limit, and don't apply for lots of credit at once.

Your credit score quietly decides what you pay to borrow, mortgage rates, card approvals, even some rentals and phone plans. Here's how to see yours for free and move it up.

How to check it free

Borrowell, free Equifax score, updated regularly.
Credit Karma Canada, free TransUnion score.
Your bank / card app, many now show a free score built in.

All of these are soft checks, they don't affect your score. Check both bureaus if you can; lenders may pull either Equifax or TransUnion, and the numbers can differ.

What the number means

Range	Rating
760 to 900	Excellent
725 to 759	Very good
660 to 724	Good
560 to 659	Fair
300 to 559	Poor

6 proven ways to improve it

Pay on time, every time. Payment history is the biggest factor, even one missed payment stings. Set autopay for at least the minimum.
Keep utilization under ~30%. Owing $900 on a $1,000 limit hurts; owing $200 helps. Pay down balances or ask for a limit increase.
Don't close your oldest card. Length of credit history matters, keep old accounts open even if unused.
Limit hard inquiries. Each credit application can ding you a few points. Don't apply for several at once.
Mix helps a little. A card + an installment loan shows you can handle different credit, but don't take on debt just for this.
Dispute errors. Check your report for accounts or late marks that aren't yours and dispute them with the bureau.

A good score saves you thousands, so does not overpaying

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Important: Score ranges and providers are general, as of June 2026, and can vary by bureau and product. This is general information, not financial advice. Check your official report at Equifax and TransUnion.

Seeing two different numbers? Here is why Equifax and TransUnion scores differ, and what each gives you free.

Worried a check will hurt? See hard vs soft inquiries in Canada, with a date calculator.