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Credit Report

Credit Verify provides users with their personalised credit scores and reports. With their $1 seven day trial, you can access your risk-free credit score and report. Some Canadians don’t have much knowledge of credit cards, credit scores and even credit...
  • Services: 1
  • Rating: 4.0
Borrowell is a Canadian-based company with the purpose to provide guidance to people about their credit. For free, start achieving your credit goals by signing up today. If you’re one of those people that are unsure of their credit score and want to...
  • Services: 1
  • Rating: 4.0
Special Offer: Upon sign up, new Plastk customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months* Plastk is a financial technology company offering premium reward programs for Visa card users. The platform is Canada’s first and only secure...
  • Services: 1
  • Rating: 4.0
TransUnion is a credit reference agency that helps you take control of your financial situation by providing Canadian credit reports and scores. The organization has been around since 1968 and has partnered with various credit score agencies. TransUnion...
  • Services: 1
  • Rating: 4.0

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Best Credit Report Brands in Canada

A credit report brand is a company that collects all the information about you and your spending from various resources. They then compile it together in the form of a credit report. The agency serves as a library for your future creditors, allowing them to pull up your credit report and score. This helps them analyze whether you have been responsible for the credit handed to you.

Your credit report includes your personal information, including your name, age, address, and job details. It also has closed accounts, payments history, and all your available credit.

Best Credit Report Brands

There are a few best credit report brands in Canada from which you can get your credit score.

Borrowell

Borrowell is one of Canada's most accurate credit report brands that lets you access your credit report for free. The company was launched in 2014 and was the first to offer this service. More than 1.5 million Canadians have used it to date. It provides a detailed picture of your financial health, including your credit score and upcoming bills.

This credit report agency has partnered up with Equifax, the world's largest credit monitoring bureau. Your credit score is calculated by Equifax and displayed through Borrowell. The platform also offers an AI-powered credit coach. It helps you understand your credit score and provides you with tips on how to improve it.

Borrowell offers a fully-featured application, allowing you to track your upcoming bills. It also predicts your future account balance.

Credit Verify

Credit Verify is amongst the most popular credit report brands in Canada. Besides offering credit monitoring, it also gives you access to personalized financial information and education. You can instantly access your credit report online by signing up with the platform within a few minutes.

The platform is entirely accurate due to its association with TransUnion. TransUnion is a leading credit reporting agency in Canada that updates your credit report every week. Credit Verify has a dedicated security team that instantly investigates all the issues on the platform.

Credit Verify also gives you access to a real-time credit simulator. With this simulator, you can analyze how specific actions will affect your credit report.

Mogo

Mogo is a financial services company that has recently gained recognition as one of the most popular credit report brands. The company offers free credit score monitoring, identity fraud protection, credit cards, loans, and mortgages. Mogo is trusted by more than 1.6 million Canadians.

The platform is affiliated with Equifax, ensuring that your credit report is accurate. It automatically sends you an updated credit report every month. Mogo also informs you every time someone runs a hard credit inquiry on your profile. Apart from credit reports, the company is well known for its credit cards and rewards.

Mogo keeps your data secure by employing the latest security measures, including TLS protocol. The Amazon web services data centers secure sensitive information and multiple firewalls that protect the company's internal and external networks. Mogo also offers educational tips on saving, budgeting, and investing your money.

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Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

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January 31, 2022
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FAQs about
Credit Report Brands

Which Credit Report Is Best for Canada?

As per Equifax, a credit score from 660 to 724 is good in Canada. A score over 725 and 759 is considered very good. And a credit score over 760 is an exceptional credit score.

How to Get a Credit Report for Free in Canada?

Simply order a credit report from TransUnion Canada and Equifax Canada. Every bureau uses its own approaches to analyze your credit score. Applying for a credit report does not affect your credit score at all.

What Is Credit Monitoring?

Credit monitoring is a service provided by various credit report brands and financial institutions. This service sends you a notification every time an update is made to your credit profile, like a credit score inquiry.

The service can be beneficial if you have been affected by a data breach or fraud. It will alert you if someone tries to apply for credit in your name.

How Often Should I Check My Credit Report?

It would be best if you considered requesting your credit report from a bureau. You should wait for six months before applying again. This method will help you detect your problem more clearly.

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