Top Free Credit Score Services With Unlimited Access

If you’re working on your credit, the last thing you want is to pay just to see your own score—or worry that checking it too often might hurt you.

The good news: there are several free, unlimited ways to see your credit score in Canada, and they all use soft inquiries, which don’t affect your score.

What “free” and “unlimited access” actually mean

Before we rank anything, it’s worth defining the terms:

• Free here means:

  • No fee each time you check your score

  • No credit card required for the score itself (some services make money through optional products or subscriptions)

• Unlimited access means:

  • You can log in and check your score as often as you want

  • The check is a soft inquiry, so it doesn’t hurt your credit score

  • The underlying data typically updates weekly or monthly, so the number won’t change every day

Remember: Canada has two main credit bureaus—Equifax and TransUnion. Different apps use different bureaus, so it’s normal for scores to vary between services.

1. KOHO

KOHO gives you a free Equifax credit score right in the app, and you can check it as many times as you like.

What KOHO offers

• Credit bureau: Equifax

• Cost: Free credit score for KOHO users (with a 30-day free trial on plans; checking the score itself is always free)

• Access: KOHO mobile app

• Update frequency: Monthly score updates

• Check limit: You can check your score as many times as you like

• Impact on credit: Soft inquiry only; won’t hurt your score

On top of the score itself, KOHO also connects everything to your real-life money:

• Built-in budgeting & savings tools

• Credit Building that reports on-time payments to Equifax and has helped members increase scores by an average of 31+ points in about four months^¹

Bonus: KOHO + free Equifax credit report

If you’re on the Everything plan or use Credit Building or Cover, you can also access a free Equifax credit report in app at no additional cost.

That lets you:

• See all your accounts and payment history

• Review inquiries made in your name

• Spot errors or potential fraud and dispute them through Equifax

2. Borrowell

Borrowell is one of the most established free credit score apps in Canada and focuses on Equifax data.

What Borrowell offers

• Credit bureau: Equifax

• Cost: Free account

• Access: Website + mobile app

• Update frequency: Weekly score and report updates

• Check limit: You can check your score as often as you want without harming it

• Impact on credit: Soft inquiry only; checking doesn’t affect your score

• Includes free credit report: Yes

Borrowell also layers on:

• Credit education and score “coaching”

• Alerts when things on your report change

3. Intuit Credit Karma (Canada)

Intuit Credit Karma (Canada) is another big player, but uses TransUnion.

What Credit Karma offers

• Credit bureau: TransUnion (in Canada)

• Cost: Free account

• Access: creditkarma.ca + app

• Update frequency: Typically weekly (TransUnion data refresh)

• Check limit: You can check your credit score for free whenever you want, and checking it won’t affect your credit

• Includes free credit report: Yes

You also get:

• Credit monitoring alerts

4. ClearScore Canada

ClearScore is a newer player in Canada but very straightforward: they promise your credit score and report are free forever.

What ClearScore offers

• Credit bureau: TransUnion

• Cost: Free

• Access: clearscore.com/ca + app

• Update frequency: Weekly report and score updates

• Check limit: You can check as often as you like

• Includes free credit report: Yes

ClearScore also includes:

• “Credit health” tools and insights

5. Equifax MyEquifax

If you want to go straight to the source, Equifax’s MyEquifax portal lets Canadians access their credit score and report for free online, with data updated about once a month.

What MyEquifax offers

• Credit bureau: Equifax

• Cost: Free online account for basic score + report

• Access: Equifax.ca via MyEquifax

• Update frequency: Monthly data refresh

• Check limit: You can log in and view your report as often as you want; the information itself updates roughly once per month.

Turning Free Credit Scores Into Real Credit Progress

When it comes to tracking your credit, paying to see your own score—or worrying about hurting it just by checking—doesn’t need to be part of the story.

In Canada, you now have multiple ways to get free, unlimited access to your credit score, and in many cases, your full credit report as well.

KOHO fits in as your everyday money hub: you get a free Equifax credit score in-app, optional access to your Equifax credit report, and tools like Credit Building, budgeting, and savings that help you actually move that number in the right direction.

^{¹Based on users with a starting score of 500 or less and who signed up for credit building in October 2024. Credit Building is 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.}