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 * Free Credit Score
 * Rent Advantage
 * Credit Builder
 * Credit Cards
 * Personal Loans
 * Mortgages
 * Banking
 * Insurance
 * Blog




START WITH YOUR FREE CREDIT REPORT

Join two million members and access your free credit score. Get personalized
tips, tools and offers that fit your profile and help you meet your financial
goals.

Sign Up for Free


 * 2 million happy Borrowell members.

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


TOP 5 REASONS WHY CANADIANS LOVE BORROWELL

As Canada's leading credit education company we offer more than just free credit
scores!

 * Free weekly credit score and report monitoring.

 * Bank level security with 256-bit encryption.

 * Personalized financial product recommendations.

 * Free credit improvement tips and education.

 * Checking your score with Borrowell won't hurt it!


2 MILLION CANADIANS TRUST BORROWELL

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


HOW DOES BORROWELL WORK?


FREE WEEKLY CREDIT MONITORING

Sign up in just 3 minutes for free access to your Equifax credit score and
report, which we update every single week.


CREDIT EDUCATION

The first in Canada, our AI-powered Credit Coach helps you understand your
credit score and gives personalized tips that may help you improve it.


PRODUCT RECOMMENDATIONS

Compare financial products from over 75+ partners and get personalized
recommendations based on your credit profile.

Get Started


YOUR CREDIT SCORE AND REPORT - ALL IN ONE PLACE!

You can get your Equifax credit score and credit report for free with Borrowell!
Check your credit score or download your credit report whenever you'd like.
Receive weekly updates on how your score has changed, get personalized tips how
to improve your score, and find the best financial products that match your
profile. Checking your credit score with Borrowell doesn't hurt it.

Get Your Credit Score


IS ALL THIS REALLY FREE?

Yes, it's really free. We make money by analyzing your credit profile to suggest
the best financial products for you from over 50 different companies. If you
take one of our recommendations, that partner pays us a referral fee. Not
interested? We're still happy to provide your free credit score!

Sign Up for Free


BORROWELL IS PROUD!

#1 Credit Education Company

Bank level 256-bit encryption security

50+ Financial Product Partners


FIND THE BEST PRODUCT FOR YOU


LOANS

Borrowell helps thousands of Canadians easily access loans that suit their
financial profile.

Get a Loan Now


CREDIT CARDS

Explore recommendations for the best credit card to meet your needs.

Find My Card


MORTGAGES

Compare mortgage providers to find the best rates in Canada.

Compare Rates


MORE PRODUCTS AVAILABLE

Banking

Insurance

Investing


OUR TRUSTED PARTNERS

Here are some of the top financial institutions that we partner with to offer
customers the best product recommendations to achieve their financial goals.

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MORE CREDIT SCORE RESOURCES


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

Learn more


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

Learn More


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

Learn More


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

Learn More


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

Read more


HOW LONG DOES INFORMATION STAY ON MY CREDIT REPORT IN 2023?

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 05, 2023

Learn More


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

Learn More


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 2023.

Sean Cooper

Jan 06, 2023

Learn More


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

Read More

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PRODUCTS

 * Free Credit Score
 * Rent Advantage
 * Credit Builder
 * Credit Cards
 * Mortgages
 * Banking


ABOUT

 * About Borrowell
 * Careers
 * FAQ/Help Centre
 * Reviews
 * Contact Us
 * Legal
 * Privacy


NOTABLE LINKS

 * Ultimate Credit Score Guide
 * How to Improve Your Credit Score
 * Tips From Our Credit Coach
 * Download Your Credit Report
 * Hard vs. Soft Credit Inquiries
 * Info on My Credit Report
 * Mortgage and Credit Scores

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.

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2014-2023 Borrowell® | The Credit Is All Yours!