Where to get a Free Credit Score in Under 2 Minutes?

You don’t need to pay or hurt your credit to see your score.

In Canada, you can check a free credit score and basic report online in just a couple of minutes through apps and web dashboards.

Check Your Credit Score in the KOHO App

If you want your credit score and credit report in one place, with KOHO Essential:

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

• Sign up for a 30 day trial and get a credit report and check your credit score in just a couple of minutes.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

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

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

• You can subscribe to Credit Building for $10/month, it's an affordable way to build your credit history.

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

Other Places to Get a Free Credit Score Quickly

Here are some of the most common free credit score providers Canadians use.

1. Borrowell

Borrowell is a Canadian fintech that lets you:

• Sign up online or via app and see a free credit score and credit report

• Get regular updates on your score

• See personalized offers for credit cards, loans, and other products based on your profile

2. Credit Karma

Credit Karma offers:

• A free credit score and credit report view

• Ongoing monitoring and alerts if something changes on your report

• Product recommendations (credit cards, loans, etc.) tailored to your profile

3. ClearScore

ClearScore provides:

• A free credit score and report through a simple web/app interface

• Regular score updates

• Suggestions on ways you might improve your profile, plus product recommendations

Tips for Checking Your Score Safely

Wherever you check your score:

• Make sure it’s a soft check, so it doesn’t affect your credit.

• Confirm whether the score comes from Equifax or TransUnion (they may differ slightly).

• Look for regular updates (monthly is common).

• Use a provider that clearly explains why your score is what it is—that’s how you actually improve it.