Is it Possible to get a 900 Credit Score in Canada?

Yes, it is technically possible to get a 900 credit score in Canada, but it’s very rare—and you absolutely don’t need 900 to qualify for great rates and approvals.

Most lenders consider you “excellent” well before 900. Once you’re in the high 700s or above, you’re often treated similarly to someone with a near-perfect score.

KOHO Essential Can Help You Aim for an Excellent Score

Your credit score is heavily influenced by how you manage your money and payments. That’s where your day-to-day account matters.

KOHO Essential is designed to work like a no fee monthly account for most people because:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• Enjoy unlimited transactions (never worry about sending money to someone again).

• Add Credit Building to help build your credit history without relying only on a traditional credit card

What’s the Credit Score Range in Canada?

Most Canadian credit scores range from about 300 to 900:

• 300–559: Poor

• 560–659: Fair

• 660–724: Good

• 725–759: Very good

• 760+ (roughly): Excellent

Each bureau and lender has slightly different cutoffs, but the big takeaway is:

You don’t need 900.
You just need to look low-risk and consistent.

If you’re above the mid-700s, you’re usually already in “top-tier borrower” territory in many eyes.

What Does it Take to Get a Very High Score?

You’ll never see the exact formula, but in general, people with very high scores tend to:

• Always pay on time
  No late or missed payments on credit cards, loans, or lines of credit. Ever.

• Use only a small portion of their available credit
  Often under ~30% of their limits—and frequently much lower than that.

• Have a long history
  Older accounts in good standing, open for many years.

• Use a mix of credit types
  For example, a credit card plus an installment product (like a loan or credit-building program).

• Avoid frequent “credit shopping”
  Not applying for new credit all the time unless there’s a good reason.

Why You Don’t Need a 900 Credit Score

Aiming for 900 can actually become a distraction.

Here’s what matters more in real life:

• Are you getting approved for the products you want?

• Are you being offered reasonable interest rates?

• Are you keeping payments manageable and avoiding stress?

It’s smarter to:

• Build an emergency fund

• Pay down high interest debt

• Keep balances low

• Always pay on time