Borrowell: Credit Report | unitQ Score

Borrowell's mission is to make financial prosperity possible for all Canadians. Your credit score plays an important role in whether lenders approve you for financial products, and the interest rates you can get. Borrowell was the first in Canada to offer free credit scores. Today, we're the only ones who offer a full Equifax Canada credit report updated weekly, for free. 



Get your free credit score and report in three minutes. Your credit card information and SIN are not required. Download the Borrowell app today.





FEATURES YOU’LL ENJOY





Monitor Your Credit Score

Access your credit score and credit report with Borrowell's easy-to-use app. Monitor your credit score anytime, anywhere, and receive alerts for changes to your score or credit report. Borrowell is the only app that provides free weekly updates with access to your full credit report.

Understand Your Credit Score

Gain insights into factors affecting your credit score, such as payment history, credit utilization,  credit history, credit inquiries, and average credit age, plus get personalized recommendations for building your credit history.





Get Personalized Financial Product Recommendations

Get custom product recommendations based on your credit profile. Find and compare auto loans, credit cards, bank accounts, insurance and mortgage rates from over 75 trusted financial providers like American Express Canada, BMO Canada, Capital One Canada, Fairstone Bank of Canada, Scotiabank Canada, EQ Bank, National Bank of Canada, Symple Loans and more. See your likelihood of approval before you apply for a loan or credit card. 



BUILD YOUR CREDIT HISTORY



Positive credit history, payment history and credit mix are factors that can contribute to a higher credit score. A higher credit score can give you access to more credit products like loans, credit cards and mortgages, and at lower interest rates. Potential landlords and employers may also check your credit score and report as part of your application process.



Borrowell Rent Advantage™ 

Borrowell Rent Advantage™ lets you build credit with the rent payments you’re already making, without landlord involvement. Report your rent payments on your Equifax Canada credit report to build your credit history, payment history and credit mix with your rent. Qualify for this product even with a low credit score. There are no hard credit checks, no hidden fees and no cancellation charges. 





Borrowell Credit Builder

Use Borrowell Credit Builder to build your payment history and diversify the credit mix on your credit report without taking on additional debt or needing a credit card. Your payments are made automatically through a pre-authorized debit agreement, so you never have to worry about missing a payment. There are no hard credit checks, no hidden fees and no cancellation charges.



SAFE AND SECURE



At Borrowell, protecting our members' information is our utmost priority. We use the bank level 256-bit AES encryption to keep your information safe.



BORROWELL AWARDS



Borrowell has received multiple awards:

Best Workplaces for Women, 2023

Globe and Mail Canada’s Top Growing Companies, 2022

Best Workplaces in Canada, 2022

LinkedIn Canada’s Top Startups, 2021



When you download and use the Borrowell app, you are agreeing to Borrowell's Terms of Use. https://www.borrowell.com/terms