Where to get a Free Credit Score and Report Together?

Where to Get a Free Credit Score and Report Together?

If you’re trying to build (or rebuild) your credit, you don’t just need a credit score—you also need the full credit report that sits behind it. The score tells you where you stand; the report tells you why.

The good news: you can get both in one place with KOHO.

This guide walks through how KOHO gives you access to a free Equifax credit score and a free Equifax credit report, how it all works in the app, and why it’s helpful to keep an eye on both.

Credit score vs. credit report: quick refresher

Before we talk about where to get them together, it helps to know the difference:

• Credit score
  A three-digit number (usually between 300–900 in Canada) that summarizes how risky you look as a borrower. Lenders use it to quickly assess you for things like credit cards, loans, and mortgages.

• Credit report
  A detailed file that shows:

  • Your personal info (name, address, birthday, SIN)

  • All your credit accounts (credit cards, loans, car leases, etc.)

  • Your payment history

  • Credit inquiries (who’s checked your credit)

  • Certain public records, like bankruptcies or court judgments

In Canada, you’re entitled to free credit reports from Equifax and TransUnion, and checking your own report or score won’t hurt your credit.

How KOHO gives you a free credit score

KOHO’s credit score feature is built for quick, low-stress check-ins:

• Powered by Equifax – Your score comes directly from Equifax, one of Canada’s two major credit bureaus.

• Soft inquiry only – KOHO uses what’s called a soft inquiry, which means checking your score in the app doesn’t hurt your credit score.

• Updated monthly – Your KOHO credit score refreshes every month, so you can track your progress over time.

• Free to try – When you sign up and start your KOHO plan, you get a trial period where you can check your Equifax credit score for free in the app.

How to see your free KOHO credit score:

1. Download the KOHO app and open a free account.

2. Verify your identity in the app.

3. Navigate to the credit section to view your Equifax score instantly.

That covers the “score” part. Now let’s add the “report”.

How KOHO gives you a free Equifax credit report

KOHO’s Everything plan includes access to a free Equifax credit report right inside the app.

With KOHO Everything, you can:

• Access a free copy of your Equifax Credit Report in-app

• See what’s actually driving your score (good and bad)

• Get your updated score every time you check your report

• Submit disputes to Equifax directly from KOHO if you spot something that looks wrong

Your KOHO credit report includes:

• Personal information – Name, address, birthday, SIN

• Credit accounts – Cards, loans, mortgages, car leases

• Credit inquiries – Who’s checked your credit and when

• Public records – Bankruptcies, certain court judgments

• Secured loans – Any credit backed by collateral

• Equifax contact history – Alerts or fraud warnings you’ve added in the past 6 years

KOHO makes this report quick to access, and like checking your score, viewing your report in the app doesn’t negatively impact your credit.

Score + report together: why KOHO is a one-stop shop

With KOHO, you’re not bouncing between websites or digging through PDFs. You can:

• Open the KOHO app

• Go to your credit tools

• See your latest Equifax score and open your Equifax credit report from the same place

That combo matters because:

• The score tells you how lenders might see you today.

• The report shows the specific behaviours and accounts that are helping or hurting you.

• Because KOHO pulls both from Equifax and updates them regularly, you’re always working with fresh info.

KOHO offers Credit Building, a program where members have seen their scores increase by an average of 31+ points in about four months*.

Step-by-step: how to get a free credit score and report together with KOHO

Here’s how it all fits together in practical steps:

1. Open a KOHO account

• Download the KOHO app from your app store.

• Sign up and verify your identity (this usually takes just a few minutes).

2. Check your free Equifax credit score

• Use your KOHO trial to view your Equifax credit score for free in the app.

• This uses a soft inquiry, so there’s no impact on your score.

3. Upgrade to KOHO Everything for your Equifax credit report

• Choose the Everything plan if you want ongoing access to your free Equifax credit report inside KOHO.

• You can view your report as often as you like to monitor changes, check for errors, or prep for a big application (like a mortgage or car loan).

4. Use your combined view to make a plan

With your score + report in one place, it’s easier to:

• Track whether your on-time payments are helping

• Spot any missed payments or high balances that might be dragging your score down

• Catch potential fraud early if you see accounts or inquiries you don’t recognize

Why use KOHO instead of juggling multiple providers?

There are plenty of ways to access credit data in Canada, including directly from the bureaus or through third party apps.

But if you’re already using KOHO for day-to-day spending and saving, keeping everything under one roof has some clear advantages:

• Everything is in one app
  Your spending, saving, credit score, and credit report all live together. No new logins, no extra platforms.

• Easy, frequent check-ins
  KOHO’s score updates monthly, while your Equifax report in KOHO Everything can be checked as often as you want without hurting your score.

• Built to be beginner-friendly
  KOHO’s credit tools are designed to be simple and visual—not just long PDFs with jargon.

• Credit tools you can actually act on
  Because KOHO also has features like Credit Building and budgeting tools, you’re not just seeing your credit situation.

Final thoughts

If you’ve ever wondered, “Where can I get my free credit score and report together?” KOHO is one of the few places in Canada where you can:

• See your free Equifax credit score in-app

• Access a free Equifax credit report with the KOHO Everything plan

• Keep both in one place alongside your everyday money tools

From there, it’s a lot easier to understand your credit story, catch problems early, and make a plan to improve.