Check Your Credit Score For Free Canada! | Refresh Financial

Free credit score check!

Check your credit score for free and learn what your credit score means.

Free credit score check!

Check your credit score for free and learn what your credit score means.

Step 1
Enter some basic information about yourself.
Step 2
Authenticate your identity with Transunion.
Step 3
Get your credit score by email.
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Step 1
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By registering your interest, you agree to be bound by our General Terms of Use, Free Credit Score Terms, and Privacy Policy.

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

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

Credit Impact - Refresh Financial offers short term secured savings loans and is not a credit repair service. A Refresh loan may help improve your credit score by building a credit history provided your payments are made in full and on time. While having a loan and honoring its obligations can help build credit, potential creditors may see too many loans as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.

Financial Implications - Across Canada (excluding Saskatchewan and Quebec) Refresh Financial offers secured savings loans, provided by Refresh Capital Corp. of $1,600 (36 months at 7.95%), $2,900 (36 months at 7.95%), $6,500 (60 months at 6.95%), $10,000 (60 months at 5.95%), and $25,000 (60 months at 5.95%). In Quebec, loans are offered at $1,200 (36 months at 29.95%) and $2,300 (36 months at 29.95%). The APR (excluding Quebec) ranges from 9.47% - 20.07% depends on the size of the loan chosen and includes a loan set-up fee of $200-$400, deducted from the loan proceeds.

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 fix it. Being aware you have a poor credit score means you can take steps to fix 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.

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