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Get free credit score and Report from Equifax with monthly updates on why it's going up or down, also get customized tips on how to improve your credit score every month.

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Sign up for free in just 3 minutes with no commitment or impact on your credit score. Track your success, flag errors and spot fraudulent activity.

Credit Improvement Education

Understand & Improve

Canada's first AI-powered Credit Coach, Molly, will share personalized tips, articles, and tools that may help improve your credit.

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Find the Right Product

Get automatically matched with financial products from over 75+ partners that fit your credit profile. See your likelihood of approval and apply in just a few clicks.

Top 5 Reasons Canadians Love Borrowell

We believe you need to know your score to improve it and we are proud to offer free credit score monitoring and much more.

  • Canadian credit education company

    #1 Canadian credit education company

  • Free Credit Score Tracking

    Unlimited free credit monitoring

  • Thumbs up icon depicting no hard hit with Borrowell

    Checking your score won't hurt it!

  • Borrowell has bank level security

    Bank level security with 256-bit encryption

  • 18 point improvement average after sign up

    On average, Borrowell's most active members achieve a score improvement of 18 points.

More Credit Score Resources

COVID-19 Impact on Credit Scores and Missed Bill Payments

COVID-19: Impact on Credit Scores and Missed Bill Payments by City [Study]

To understand how credit score and missed payment trends across Canada have changed during COVID-19 measures, Borrowell, a fintech company that offers free weekly credit score updates, analyzed credit scores and credit reports of 1,015,369 Canadians, including those in 20 of the largest cities in Canada from Q1 2020 to Q1 2021.

The Borrowell Team

Apr 29, 2021

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How much does my credit score drop if I miss a payment - image

How Late Payments Impact Your Credit Score

Payment history makes up 35% of your score. One late bill payment can decrease your credit score by up to 150 points, according to Borrowell data.

Evan Miersch

Jan 28, 2021

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8 Tips to Improve Your Credit Score

How To Improve Your Credit Score in Canada

Here are eight tangible steps you can take to improve your credit score. Your credit score directly impacts your ability to get approved for financing, including credit cards, loans, and mortgages.

The Borrowell Team

Feb 04, 2021

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Credit Scores vs. Credit Reports: What is the Difference?

Credit Scores vs. Credit Reports: What is the Difference?

Many people use the terms credit score and credit report interchangeably. Although the two are related, credit scores and credit reports are in fact different from each other.

Sean Cooper

Apr 06, 2021

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How Do I Read My Credit Report?

How Do I Read My Credit Report?

Your credit report paints a picture of how financially responsible you are. You should regularly review your credit report, as lenders look at your report before approving you for credit products. Reading your credit report can be overwhelming and confusing, but it doesn’t have to be! Here’s a clear breakdown of how to read your credit report, including what information is in it, what this information means, and how long this information stays on your report for.

Evan Miersch

Jan 08, 2021

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How Long Does Information Stay On My Credit Report In 2022?

Since Borrowell offers free credit reports for Canadians – we get asked all the time: “How long does information stay on my credit report?”

Rachel Surman

Jan 04, 2022

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What Credit Score is Needed for a Car Loan?

What Credit Score Do You Need for a Car Loan?

When it comes to providing car loans, Canadian lenders typically approve consumers with a credit score of 630 or above.

Gaurav Pokharel

Feb 27, 2021

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What Credit Score is Needed for a Mortgage?

What Credit Score Do You Need for a Mortgage?

A credit score of 680 or above is required to qualify for the best mortgage rates in Canada in 2022.

Sean Cooper

Jan 07, 2022

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What’s The Difference Between Hard And Soft Credit Inquiries?

What’s The Difference Between Hard And Soft Credit Inquiries?

Not all credit inquiries are created equal and they impact your score in different ways. Here's a closer look at the differences between hard and soft credit inquiries.

Janine DeVault

Jan 14, 2021

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