Free credit score

Checking your Credit Score is important.
Get yours instantly, for free!

  • your score is 100% free - we won't ask for your payment information
  • receive your score and learn what it means
  • get tips on how you can improve your score over time
Get my free credit score
This won't affect your score!


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Checking your Credit Score with Ratehub.ca
Instant

It takes less than 3 minutes to complete the online process and see your score instantly.

No impact

Checking your own credit score with Ratehub.ca won't affect your score!

Secure

We employ the same security encryption that banks use to make sure your information stays safe.

100% free

We provide you your score for free. In fact, we won't ask you for your payment information.

Get my free credit score
This won't affect your score!

How do I get my Credit Score?

At Ratehub.ca, we believe everyone should have the tools they need to make smart financial decisions when comparing financial products. That's why we've partnered with Equifax Canada to provide you with your Credit Score.

Here's how to get your free score:

  1. Login to Ratehub.ca
  2. Complete the required ID verification
  3. Get your Credit Score

Get my free credit score
This won't affect your score!

Why is my Credit Score important?

Your score can impact your ability to quality for a new credit card, loan or mortgage. Whether you are saving for your first home, looking for a new credit card, or hoping to rebuild your credit history, your score is a key factor in the lenders desire to work with you.

Another often overlooked fact is that having a low or high credit score can often be linked directly to the interest rate you will get for certain credit products. Credit cards, and especially loans and mortgages, are directly linkde to your credit history, score and overall financial position.

It's important to know your score so you can make changes necessary so you can make sure you are best positioned in the eyes of the lender.

Why does Ratehub.ca offer my score for free?

Our business model allows everyone to come out on top. It's really simple, and yes, it's really free.

When we provide you with your Credit Score, you get access to your Equifax Canada credit score. We in turn use our love of data and analytics to tailor product recommendations that will help you achieve your financial goals. Whether it's building credit, saving for a downpayment, or buying a home. We get paid by bank, lender and credit card partners if you're interested in one of their products.

Thus, there is no cost to you, and you get offers highly customized just for you!

Get my free credit score
This won't affect your score!

Equifax Security Breach Update

Recently, Atlanta-based Equifax announced that unauthorized individuals gained access to customer information stored in their database. The following information is provided by Equifax:

September 7, 2017 - Equifax Inc. (NYSE: EFX) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company's investigation, the unauthorized access occurred from mid-May through July 2017.

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain UK and Canadian residents. Equifax will work with UK and Canadian regulators to determine appropriate next steps.

You can read Equifax’s release in its entirety here, and direct any questions to Equifax directly by calling 1-866-828-5961.

Ratehub.ca has partnered with Equifax Canada since November 2016 to offer our users free Credit Scores. As one of Canada’s two major credit bureaus, your bank, utilities provider or other parties may have used Equifax Canada to verify your creditworthiness for financial products (like a mortgage or credit card), utilities or for other uses.

Ratehub.ca servers were not hacked, and Ratehub.ca is still secure and not affected by this security breach.

We encourage you to monitor Equifax Canada’s website as further details about the hack become available.

If you have any further questions or concerns, they should be directly addressed to Equifax by calling them at 1-866-828-5961.


The score provided to you is the Equifax Risk Score, which is also known as ERS 2.0. The Equifax credit score is based on Equifax’s proprietary model. The provision of this score to you is intended for your own educational use. Lenders will take into consideration other information in addition to a credit score when evaluating your creditworthiness.