Check Your Credit Score For Free Canada! | Refresh Financial

Get Your Free Credit Score in Canada

Sign up for Borrowell to get your credit score and credit report for free!

You can use Borrowell to check your Equifax credit score and credit report for free and receive weekly updates.

You can also check your TransUnion credit score for free by completing the form below.

Step 1
Enter some basic information about yourself.
Step 2
Authenticate your identity with Transunion.
Step 3
Get your credit score by email.
Information
Authenticate
Get your score
Step 1
Enter some basic information about yourself.

By registering your interest, you agree to be bound by our General Terms of Use, Free Credit Score Terms, and Privacy Policy.

*Checking your credit on Refresh Financial won't hurt your score.

Refresh Financial Inc. and its loan products are not affiliated with any credit reporting bureau or entity in Canada.

Approvals - Approvals are subject to Refresh Financial’s review and underwriting guidelines which requires minimum monthly income, ID & banking verification.

† Financial Implications - Across Canada (excluding Saskatchewan) Refresh Financial offers Credit Builder Loans, provided by Refresh Capital Corp. in fixed sizes ranging from $1,250 to $25,000, at a fixed interest rate of 19.99% APR with terms of either 36 months or 60 months.

* This card is owned and issued by DirectCash Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. DirectCash Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

Free credit score check!

Did you know, it is estimated that more than 50% of all Canadians have never checked their credit score. Don’t be one of those people – we offer a free credit check in Canada!!

Check your credit score and see what’s on your credit score report - it’s the most important step to building credit. Your free credit score gives you a quick glance of where you are sitting right now, whereas your full free credit report (available once a year for all Canadians from Equifax and Transunion) shows you exactly what you have to improve or clear up in order to get a better credit score. Not sure what your free credit report means? Check out this post which provides more information!

Checking your credit score is the first step to building credit

Knowing what may have gone wrong with your credit score is the only way to build it. Being aware you have a poor credit score means you can take steps to build it and improve your credit score that much faster.

Do you understand your credit score?

• 35% of your credit score comes from payment timeliness. This is any payment you make on ANY sort of credit.

• 30% of your credit score is your amount of debt. So, maintaining a balance on your credit card isn’t necessarily a bad thing - as long as it is under 30% of the total limit.

• 15% of your credit score is based on the length of time each account has been open and the length of time since the account’s most recent action.

• 10% of your credit score is new credit and credit inquiries.

• 10% of your credit score is for the different types of credit you have.

Knowing your credit score means you can make a more educated decision when it comes to what sorts of credit you should apply for right now. A low credit score means you’re going to be offered much higher interest rates on any funds you borrow, if you’re approved at all. With a low credit score, you’d be better off considering a secured form of credit and make use of credit building programs like the ones here at Refresh Financial.