Credit Score Calculator

Answer a few questions to estimate your credit score. No sign-up, no credit check, and nothing is saved.

Credit history

Do you have at least 6 months of credit history?

How long ago did you open your first credit account? (years)

Types of credit

Which types of credit appear on your report? (select all that apply)

Cell phone, internet, and utility accounts can appear on your credit report and help your payment history, but they don't count as a type of credit, so there's no need to select anything for them.

New credit inquiries

How many times have you applied for new credit in the last 12 months?

Payment history

When did you last miss a payment on any credit account?

Credit utilization

Total credit limit across all revolving credit (credit cards, lines of credit, etc.)

Total current balance across all revolving credit (credit cards, lines of credit, etc.)

Negative events

Have you had any negative events on your credit report? (bankruptcy, foreclosure, collection, tax lien, etc.)

estimated

300 560 660 725 760 900

How your score breaks down

These are the categories that make up your credit score, and this is potentially how you score in each one.

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This tool provides an educational estimate only, using the Canadian credit score scale of 300 to 900. Equifax and TransUnion calculate real scores using proprietary models, and different scoring models can produce different numbers for the same person. Your actual score may differ from this estimate. This tool is not a substitute for checking your real credit report.