Free credit score in Canada — options compared
Indicative prices shown for information only — always verify on the provider's website before signing up.
8 result(s)
| Provider | Plan | Price | Details | Contract | |
|---|---|---|---|---|---|
 Capital One Credit Keeper | Credit Keeper Weekly updatesScore history ⚠ Capital One cardholders only Price checked on 2026-10-09 | Free | TransUnion · score + rapport | None | See offer |
 Mogo | Score mensuel Identity monitoring includedMobile app ⚠ Requires the free Mogo prepaid card Price checked on 2026-10-09 | Free | Équifax · score mensuel | None | See offer |
 ClearScore | Score gratuit Weekly updatesCredit coaching Price checked on 2026-10-09 | Free | TransUnion · score + rapport | None | See offer |
 Credit Karma | Score gratuit Full score and reportScore simulator ⚠ Free — funded by recommendations Price checked on 2026-10-09 | Free | TransUnion · score + rapport | None | See offer |
 Borrowell | Score gratuit Weekly updatesChange alertsProduct recommendations ⚠ Free — funded by partner offers Price checked on 2026-10-09 | Free | Équifax · score + rapport | None | See offer |
 KOHO | Bâtir son crédit Reported to Equifax and TransUnionNo credit check ⚠ Monthly subscription — requires a KOHO account Price checked on 2026-10-09 | 10 $/mo | Historique déclaré aux 2 bureaux | None | See offer |
 Equifax Canada | Surveillance complète Real-time alertsIdentity fraud insurance ⚠ Indicative price — check current offer Price checked on 2026-10-09 | 19.95 $/mo | Équifax · surveillance + alertes | None | See offer |
 TransUnion Canada | Surveillance Change alertsUnlimited score ⚠ Indicative price — check current offer Price checked on 2026-10-09 | 24.95 $/mo | TransUnion · surveillance + alertes | None | See offer |
Frequently asked questions
Does checking my score hurt it?+
No — checking your own score is a 'soft inquiry', invisible to lenders. Only credit applications (card, loan) trigger hard inquiries.
Which credit bureau is used in Canada?+
Two: Equifax and TransUnion. Borrowell and Mogo show Equifax; Credit Karma, Capital One and ClearScore show TransUnion. Lenders check either — monitor both with two free services.
Can I build credit without a credit card?+
Yes — KOHO Credit Building ($10/month) reports history to the bureaus without a credit card or hard inquiry. Useful for newcomers or rebuilding.