Get your free credit score and credit report in Canada with Borrowell. 1 in 10 Canadians use Borrowell to feel confident about their money. Used by over 3.5 million Canadians for credit monitoring, credit building and financial product comparisons, Borrowell empowers you to take control of your financial future. Check your credit score anytime, anywhere, and get personalized insights to build your credit history. Access your Equifax Canada credit report for free and stay informed about changes to your credit profile with weekly alerts.

Key Features
Free Credit Score and Report: Access your credit score and full Equifax Canada credit report at no cost. No credit card or SIN is required, making it easy to start monitoring your credit.
Weekly Credit Score Updates: Stay updated with free weekly credit score and report updates, ensuring you always know your credit status.
Credit Monitoring Alerts: Receive notifications on changes to your credit score or report, helping you detect errors and potential fraud.
Personalized Financial Recommendations: Explore tailored recommendations for credit cards, loans, mortgages, and more from over 75 trusted providers like American Express Canada, BMO, Fairstone and Capital One based on your credit profile. See your approval odds without impacting your credit score.
Credit Building Tools: Use Borrowell Rent Advantage™ to report rent payments to Equifax Canada and build credit with rent. Use Borrowell Credit Builder to add payment and credit history to your credit report.
Educational Resources: Learn how to build your credit with personalized tips on the factors impacting your score including payment history, credit utilization, credit mix and more.
Get Your Free Credit Report
Your credit report is a comprehensive record of your credit history and lenders use your credit score as a signal of your creditworthiness. It includes details about your credit accounts (e.g., credit cards, loans, mortgages), payment history, outstanding balances, and any public records like bankruptcies. Regularly reviewing your credit report is crucial to ensure accuracy, as errors can lower your credit score and affect your financial options.
With Borrowell, you can access your full Equifax Canada credit report for free directly through our app. Equifax Canada is one of Canada’s major consumer credit bureaus. Our platform makes it easy to review your credit report, identify discrepancies, and take action to correct them.

Build Your Credit History
A strong credit history is a key factor to achieving a higher credit score, which can lead to higher chances of approval for loans, larger credit limits and better interest rates. Borrowell offers innovative tools to help you build credit without taking on additional debt:
Borrowell Rent Advantage: Report your rent payments to Equifax Canada to build credit history. No landlord involvement is required, and there are no hard credit checks or hidden fees.
Borrowell Credit Builder: Establish a positive payment history with small, manageable payments reported to Equifax Canada. Payments are automated via pre-authorized debit, ensuring you never miss a due date.

Personalized Financial Solutions
Borrowell goes beyond credit monitoring by offering personalized financial product recommendations tailored to your credit score and goals. Whether you’re looking for a credit card, loan, or mortgage, our app connects you with offers from trusted providers like Scotiabank, EQ Bank, and National Bank of Canada.

Security and Privacy
At Borrowell, protecting your personal information is our top priority. We use industry-leading security measures, including bank-level 256-bit AES encryption, to safeguard your data. You can trust Borrowell to keep your credit information secure while you focus on improving your financial health.
When you download and use the Borrowell app, you are agreeing to Borrowell's Terms of Use. https://www.borrowell.com/terms