Check your free credit score in Canada

Get my credit score

Free credit score from Equifax

No hard credit checks—won't hurt your score

Updated monthly

Instant Access

How to check your credit score

It’s easy, fast, and doesn’t hurt to check.

1. Download the KOHO app and sign-up for a free account

2. Verify your identity

3. View your credit score instantly

How to check your credit score

Good to know:

We perform what’s called a soft inquiry, which means checking your credit score won't hurt it
Your credit score is pulled directly from Equifax, the credit bureau

How to check your credit score

Your score updates every month—so check in regularly to see the progress you’re making.

Good reasons to check your credit score

Protect against fraud

Early detection of identity theft
Ability to spot suspicious activity before it causes major damage

Qualify for better loans

The better your credit score, the more likely you can be eligible for mortgages with lower interest rates
You could get better terms on car loans
Run your own business? You could qualify for financing opportunities

Enjoy benefits, everyday

See better rates on phone and internet plans
Improve your rental applications with a solid credit score
Get insurance premium discounts

Build your future

Track your credit progress over time
Understand what is affecting your score, both good and bad
Set and achieve credit goals

What is a good credit score?

It’s one thing to see your credit score, it’s another to understand what it actually means. Take a look below to understand the different ranges—and keep in mind you can always give it a boost with Credit Building.

Excellent (760+): Get the best rates and terms available

See your score

Get the bigger picture with your credit report

Seeing your score helps, but checking your full credit report can give you a clear look at where you stand. Subscribe to the Everything plan or Credit Building to get your credit report to see:

Your complete credit history overview
Full details of your payment history
All of your account information and balances
See credit inquiries made in your name

Think of your credit score as a simple snapshot of where you stand
Meanwhile, your credit report tells your full financial story
Together, they give you your complete credit picture—so you know where you need to make progress and where you’re already doing well

The next step? Try Credit Building

Once you know your credit score, it’s time to give it a boost with KOHO’s Credit Building.

It’s perfect for anyone looking to start building solid credit history
New to Canada? It’s a great way to start establishing your credit
You don’t need a credit card
The small monthly payment makes it a safe option
Members using it have seen their credit scores go up by an average of 74+ points in 12+ months^¹

Get more than just your credit score

All KOHO plans come with a free 30-day trial so you can see if it suits you.

The perfect plan for your needs	Essential $0/mo* Over $100/year in value** Get rewarded on everyday spending with Cash Back on the essentialsStart with Essential	Extra $12/mo Over $200/year in value** Get extra perks, extra cash back, and extra savingsSave now with Extra	Everything $14.75/mo Over $500/year in value** Get more than your money’s worth and earn the most rewards on KOHOEarn more with Everything
Benefits
Unlimited Cash Back on groceries, transportation, food & drinks	1%	1.5%	2%
Earn interest	2%	2.5%	3.5%
Free Credit Score
Crypto trading fees	0.5%	0.5%	0.5%
Instant e-Transfers
No Foreign Transaction Fees	-
Discount on Credit Building	-	30%	50%
Phone support

^{*Get Essential for free! Learn more
**This is an estimate. Actual savings may vary depending on individual spending habits and service usage}

Not sure which one speaks to you? Take our quiz to find the best plan for you.

Find a plan

The reviews speak for themselves

We’ve earned the trust of more than 2 million Canadians using KOHO—not to mention their praise.

4.8 App Store Rating

2.5M+ Happy Customers

#1 Rated Canadian Financial App

Read our reviews

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How to Improve Your Credit Score

A great credit score takes time to build.

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How to Check Your Credit Score

Learn how to check your credit score in Canada with KOHO.

FAQFrequently Asked Questions

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 good to know your credit score for a lot of reasons, whether thinking about your daily routine or goals you have for down the road.

For major life purchases, like mortgages or car loans, a better credit score can get you better interest rates or financing offers—potentially saving you a lot of money. If you ever want to start your own business, your credit score affects the options you’ll have for loans.

Identity theft is a real problem, and checking your credit score can help protect you from fraud. You can spot unauthorized accounts quickly, credit changes in real-time, and know when to free credit when it’s not in use.

Checking your credit score can also help with simple, day-to-day things. You can see the impact of making on-time payments, and get an overview of the different accounts you hold and how you’re using them. A stronger credit score can help on rental applications, with insurance premiums, and even getting phone or internet plans. Some employers will also check your credit during the application process.

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. Or visit https://www.koho.ca/credit-building/ to learn more.

Still have questions?

Can't find the answer you're looking for? Please chat to our friendly team.Visit our FAQs

^{1 Based on all KOHO users who have subscribed to Credit Building. Credit Building is not a credit repair tool and do not guarantee an improvement in credit score. Credit scores are based on complex models involving a variety of factors. Consistent on-time payments help improve scores and missed or late payments may cause credit scores to decrease. Outcomes may vary among users.}

^{Based on users with a starting score of 450 or under and who used all of our credit building tools (i.e. Credit Building, Secured Credit Building) for 12+ months with on time payments. Credit building tools we offer are not a credit repair tool and does not guarantee an improvement in credit score. Credit scores are based on complex models involving a variety of factors. Consistent on-time payments help improve scores and missed or late payments may cause credit scores to decrease. Outcomes may vary among users.}

TRANSUNION is a trademark of TransUnion LLC. KOHO's use of the TRANSUNION mark is pursuant to a limited license from TransUnion. All right, title, and interest in and to the TRANSUNION mark remain the exclusive property of TransUnion, and any goodwill arising from KOHO's use of the mark shall inure solely to the benefit of TransUnion.

Check your free credit score in Canada

How to check your credit score

How to check your credit score