What is a good credit score in Canada?

Canadian credit scores range from 300 to 900. A score of 660–724 is considered good, 725–759 is very good, and 760+ is excellent. Most lenders require at least 680 for competitive mortgage rates.

How can I check my credit score for free in Canada?

You can get your credit score free through Borrowell (Equifax-based) or Credit Karma (TransUnion-based). You're also entitled to a free credit report by mail from both Equifax Canada and TransUnion Canada once per year.

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Credit Cards – Credit Score & Reports (Canada)

Credit Cards – Credit Score & Reports (Canada)

Updated March 2026

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