How to check my credit score using Borrowell

Borrowell makes it easy to check your credit score online in Canada without hurting your score. In most cases, you just create a free account, verify your identity, and then view your credit score and credit report from your Borrowell dashboard. The process usually takes only a few minutes.

What Borrowell gives you

Borrowell is a Canadian credit and personal finance platform that lets you view:

Your credit score
Your credit report
Credit factors that may be affecting your score
Ongoing updates, so you can track changes over time

In most cases, the score shown through Borrowell comes from Equifax data. That means it’s a useful way to monitor your credit health, even if it may not match every other credit score you see elsewhere.

How to check your credit score using Borrowell

1. Sign up for a free Borrowell account

Go to Borrowell’s website or download the Borrowell app, then create an account using your email address and a password.

You’ll typically need to provide basic personal details such as:

Full name
Date of birth
Address
Phone number

Borrowell may also ask for additional information to verify your identity.

2. Verify your identity

Before Borrowell can show your credit score, it needs to confirm that you are really you. This step helps protect your credit information.

Depending on your profile, Borrowell may ask for:

A phone verification code
Your Social Insurance Number
Other identity details

If you’re asked for more information, enter it carefully so your account can be verified successfully.

3. Open your dashboard

Once your account is verified, Borrowell will take you to your dashboard. This is where you can see your credit score and credit report.

Usually, you’ll find:

Your current credit score
A summary of your report
Factors influencing your score
Credit monitoring features or recommendations

4. Review your credit score and report

Take a moment to look at the score and the details behind it. Borrowell often highlights things like:

Payment history
Credit utilization
Credit age
Recent credit inquiries
Account balances

This can help you understand why your score is where it is and what you can do to improve it.

5. Check it regularly

Borrowell updates your score on a regular basis, so it’s a good tool for tracking progress over time. If you’re working to improve your credit, checking it often can help you spot trends and stay on top of changes.

How to check your credit score using the Borrowell app

If you prefer using your phone, the steps are very similar:

Download the Borrowell app from the App Store or Google Play.
Sign in or create your account.
Complete identity verification.
Open the app dashboard.
View your credit score and report.

The app is useful if you want quick access to your score and notifications about changes.

Does checking your credit score on Borrowell hurt your score?

No, checking your own score through Borrowell does not hurt your credit score.

That’s because it’s a soft inquiry, not a hard inquiry. Soft inquiries are used for things like:

Checking your own credit
Pre-qualification offers
Background monitoring

Hard inquiries happen when a lender checks your credit for an application, such as a loan or credit card.

Why your Borrowell credit score may look different from other scores

It’s normal for your Borrowell score to differ from what you see elsewhere. Credit scores can vary because:

Different credit bureaus may be used
Different scoring models may be applied
Updates may happen at different times
Some lenders use their own internal scoring methods

So if your bank or another app shows a slightly different score, that doesn’t necessarily mean one of them is wrong.

What if you can’t see your score on Borrowell?

If Borrowell isn’t showing your credit score, try these fixes:

Make sure your account is fully verified
Double-check that your name, address, and birth date are correct
Confirm that you entered the right email and password
Update the Borrowell app if you’re using mobile
Try logging out and back in
Contact Borrowell support if the issue continues

Sometimes your score may also be unavailable if Borrowell can’t match your identity to your credit file.

Tips to improve your credit score after checking it

Once you’ve reviewed your Borrowell score, you can take steps to improve it over time:

Pay bills on time
Keep credit card balances low
Avoid applying for too much credit at once
Keep older accounts open when possible
Check your credit report for errors
Build a consistent payment history

Even small improvements can make a difference if you stay consistent.

Is Borrowell free?

Borrowell offers free access to your credit score and credit report, which is one of the main reasons people use it. It also offers additional financial products and features, but you can usually check your score without paying.

Is Borrowell accurate?

Borrowell is useful for monitoring your credit, but it may not match every lender’s score exactly.

Think of it as a strong estimate and a helpful snapshot of your credit health. If you’re applying for a mortgage, car loan, or credit card, lenders may still use a different score or report version.

Frequently asked questions

How often does Borrowell update credit scores?

Borrowell updates scores regularly, so you can monitor changes over time. The exact timing can depend on when new information is reported to the credit bureau.

Can I check my credit score on Borrowell without affecting it?

Yes. Checking your own score on Borrowell does not affect your credit score.

Do I need a credit card to use Borrowell?

No, you usually do not need a credit card just to create an account and check your score.

Can non-Canadians use Borrowell?

Borrowell is intended for users in Canada. If you’re outside Canada, you’ll likely need a different credit score provider.

Final takeaway

If you want to know how to check your credit score using Borrowell, the process is simple: create a free account, verify your identity, and review your score in the dashboard. It’s a quick, secure way to monitor your credit without impacting your score, and it can help you make smarter financial decisions over time.