Improve Your Financial Health

Credit scores can be confusing and it can be hard to find reliable information that explains what factors impact your credit. We're here to help. Whether you're looking to improve your credit score or want to take advantage of it and get approved for more credit, start by getting your free credit report from Borrowell!

Over 1 million happy Borrowell members.

Borrowell is proudly Canadian and was first to offer free credit scores in Canada.

What Is a Credit Score and How Can You Improve It?

Credit is an invaluable part of your financial standing. Having an excellent score helps you become more credible in the eyes of lenders. If you use credit and don't focus on responsible use, it can negatively affect your credit score.

If you're looking to improve your credit score, get out of debt sooner, or find the best mortgage rate - it all starts with signing up with Borrowell!

After signing up, our AI-powered Credit Coach, Molly, helps explain what credit utilization is, what the average credit score is where you live, tips on building credit in Canada and much more.

Get Key Information - Just For You

Learn About and Get a Free Credit Score

Sign up for free and get your score in just 3 minutes with no long-term commitment or impact on your credit score. Get personalized tips on how to improve your credit score over time.

Learn How Your Score is Calculated

Payment history, credit utilization, credit history, credit mix, and credit inquiries all factor into your credit score. Learn how these factors are weighted and what impacts them.

Get Personalized Tips & Product Recommendations

The higher your score, the better. We’ll give you AI-powered financial product recommendations to help find the best credit card, loan or mortgage for you.

More than 1 Million Members Trust Borrowell!

Courtney M.


Love this! I was a little skeptical at first but it tells you who you still owe and how much. Currently using this to view my credit and pay off what I owe.

Andrea B.


I have been using Borrowell for over a year now and I am a happy customer. I get the real deal on my credit and good advice also!

Ashvin G.


Excellent service. Recommend to understand your finance and banking accounts, debt control, loan utilization to build a good credit score for lending purpose.

Do You Know Your Score?

Know Your Score To Improve It!

Your credit score is an indicator of your overall financial health and is a factor when getting a mortgage, loan or renting an apartment. You have to know your score to improve it and checking your score with Borrowell won't hurt your credit!

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Borrowell® is a registered trademark of Borrowell Inc. All Rights Reserved. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to determine your credit profile. The score provided to you for educational use is the Equifax Risk Score.

2014-2019 Borrowell® | The Credit Is All Yours!