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Checking your Credit Score is important.
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  • receive your score and learn what it means
  • get tips on how you can improve your score over time
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By submitting your email address, you agree to receive news and promotions from RateHub and that you have also read and agree to RateHub's Privacy Policy and Terms of Service. You can unsubscribe at any time.

By clicking continue, I consent to RateHub obtaining my credit score and report from a credit reporting agency, including the possibility of obtaining an updated credit score and report on a regular basis as long as I have an account with RateHub. I acknowledge this consent is granted to allow RateHub to obtain and periodically refresh my credit score and report in order to present tailored personal finance information, product recommendations, partner offers and other education information.

The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties will take into considerations other information in addition to a credit score when evaluating your creditworthiness.


This won't affect your score!

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Your score is

Poor
Fair
Good
Very good
Excellent
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560
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660
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725
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760

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You have a poor credit score. This means there is room for improvement and the products below may help you in reaching your financial goals.

You have a fair credit score. This means there is room for improvement and the products below may help you in reaching your financial goals.

You have a good credit score. This means you may be eligible for the products offered below.

You have a very good credit score. This means you may be eligible for great rates and products, as offered below.

You have an excellent credit score. This means you may be eligible for the best rates and products, as offered below.

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.

We're sorry, your credit score is not available at this time.

You may not have sufficient credit history to generate a credit score.

Your credit report



Collections

If you've fallen behind on payments, your account could be sent to collections. This can have a big impact on your credit score.

Credit inquiries

When you apply for a new account, a hard credit inquiry will usually get added to your report. These can make a small dent in your score. Here are the inquiries on your Equifax report:

Checking your Credit Score with RateHub
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 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, 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
  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 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!

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.