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Monitoring

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Safe & Secure

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Recommendations

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Insights

Identify what is affecting your Credit Score and what you can do to improve it.

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Education

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No Impact

This is not a “Hard Hit” and will not impact your score or profile.

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Investing

Benefits

Get Your Free Credit Score Today.

Your credit score determines your worthiness and risk rate to lenders, or anyone looking to give you credit. Which can include a monetary loan, an asset, a rental, or a license. It also indicates your overall credit health. While your score is not the only factor that a lender considers when approving you for a loan, it is a major factor. Typically, the higher your score is the lower risk you are to miss payments or default on the loan. So, those who have higher scores are usually offered more competitive interest rates and loan terms.

Credit Score

What it means

Excellent
 (750-900)

Excellent Credit poses no risk to lenders and will usually be auto-approved for most loans in their budget with great terms.

Good (650-749)

Favorable Credit poses very low risk to lenders and can expect great interest rates and term approvals.

Fair
 (575-649)

Concerning Credit, it poses some risk to lenders. You can expect higher interest rates with less favorable approval terms. You should be focused on improving your score back to Good to unlock more favorable terms.

Poor
 (300-574)

Serious Credit issues. This tier indicates a very high risk to lenders and the highest likelihood to miss payments or default on the loan. Will be offered high-interest rates with unfavorable terms, could also require security against the loan. It is imperative when in this tier to diligently work to improve your score.

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According to Capital One, over half (57%) of Canadian’s have never attempted to obtain their Credit Score!

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