Check Your Credit Score

Check your credit score for free

Sign up for a KOHO account in less than five minutes, and with a 30 day trial you can check your credit score for free!

Get my credit score

Why get your credit score with KOHO?

It’s quick and easy

No paperwork. No applications. No credit checks. Nada.

Get extra insights

Get helpful tips, articles, and insights into why your score might have changed.

Monthly updates

Get an updated score every month so you can monitor your credit history.

It won’t hurt your score

Checking your score with KOHO won’t negatively impact it, so no need to worry.

How it works

Download the KOHO app, and sign up for an account


Virtual Card Instructions Step 1

Pick from Essential, Extra, or Everything for a 30 day free trial


Virtual Card Instructions Step 2

Find your free credit score, reported by Equifax, in the app


Virtual Card Instructions Step 3

Get an updated score every month


Virtual Card Instructions Step 4


KOHO works with Equifax, one of the major credit reporting bureaus in Canada. A credit bureau like Equifax basically collects information from creditors on things like your credit history, or your track record of paying off bills, to paint a well-rounded picture of your financial past.
It’s good to keep in mind that you don’t necessarily have just one credit score. Many score providers use different models to work out your score and lenders may not report your data to all credit bureaus, which can cause your score to vary.
Nope, you can check your score as many times as you like as we carry out a soft check, as opposed to a hard check. A soft check is usually carried out for things like loan pre-approvals, or employer credit-checks and won’t affect your overall score, regardless of how many you do it. A hard check usually only happens when you make an application for something like a loan or property rental. These can only be performed with your permission and may also affect your credit score.
We get that finances and credit scores can be stressful enough as they are without the worry of hidden fees, so with KOHO you’ll never need to worry about them. Checking your credit score is always completely free!
It’s KOHO’s affordable, interest-free way to build or rebuild credit history in Canada. You can either use your own money or a line of credit from us to do it. Head to your KOHO app and click Credit > Register to get going.


AboutAffiliatesCareersCommunity DiscountsCultureEnterpriseLearnNewcomersTravelStatusStudent & Graduate Discounts


The KOHO Mastercard® Prepaid card is issued by KOHO Financial Inc. pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

By using this website, you accept our Terms and Conditions. Follow these links for more information on our Privacy Policy and Accessibility Policy. © 2024 KOHO Financial Inc.