There is something you must check when finding a house (renting), buying a car, or activating a mobile phone plan in Canada. It is... Credit ScoreYour score may appear low in the early stages of immigration due to a lack of records, but you can manage it by consistently checking it using free apps. I have compiled a list of two representative apps that display scores from Canada's two major credit rating agencies for free.
1. Borrowell — Check Equifax Score for Free (Toronto, Canada Companies)
It is a free credit management app made in Canada. Equifax credit score and full credit report Free, updated weeklyIt shows you. When signing up, you enter your email, along with your SIN (Social Security Number), date of birth, and address for identity verification. Since the score check is a software check, it does not affect your credit score at all. It is free for users because it generates revenue through advertisements recommending loan and card products. Over 3 million people use it.
2. Credit Karma (Canada) — Check TransUnion Score for Free
It is a Canadian service of a US fintech company (owned by Intuit). TransUnion credit score Free, weekly updatesIt displays the results and explains the factors affecting the score (payment history, usage rate, credit history length, etc.) item by item. As it is a software inquiry, it does not affect the score, and an identity verification process is required.
3. Reasons why it is good to use both
In Canada, two credit rating agencies, Equifax and TransUnion, each manage their own information. Since records of errors or misuse may remain on only one side, If you use the two apps together, you can monitor both sides for free.You can. The scoring criteria are approximately 760 points or higher for 'very good' and 660 to 759 points for 'good'.
4. Get directly from the credit rating agency
Under federal consumer laws, you can also obtain your credit report for free from Equifax.ca and TransUnion.ca. If you find any unusual records in the apps, you must file a separate dispute on each credit rating agency's online portal (correcting one does not automatically update the other).
Immigrant Tips: If you get a credit card, spend only a small amount each month, and pay it back without any late payments, your credit score will steadily build up. Since overdue utility and mobile phone bills lower your score, I recommend using automatic payments.
Source: Wealth North 'How to Check Your Credit Score Free in Canada (2026)'
https://wealthnorth.ca/credit-cards/credit-card-basics/how-to-check-credit-score-free-canada/
Borrowell Official Blog 'The Best Free Credit Score Apps in Canada (2026)''
https://borrowell.com/blog/best-credit-score-app-canada
Frugal Flyer 'Borrowell vs Credit Karma: Which Is Best?''
https://frugalflyer.ca/blog/borrowell-vs-credit-karma/
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