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Earning/Saving Potential
Lowest Fees
Best Perks
Monthly Fee
$0
Which Credit Bureau?
See Issuer for Details
Credit Score Access?
Yes
Credit Report Access?
Yes
5.0 Genius Rating
0.0 (0) User Reviews

The best time to check your credit score is always now, and with Credit Karma, the price is right at $0. This free credit score service gives you access to your credit score and report, provides weekly updates, and even sends alerts whenever there are notable changes to your file. Credit Karma pulls data from TransUnion and Equifax, giving you a reliable snapshot of where you stand. Plus, you’ll also get access to identity monitoring for extra peace of mind.

Pros
  • Free to use
  • No need to provide your SIN
  • Helpful articles and educational info
Cons
  • Annoying product recommendations
  • Limited customer service options
Provinces
AB, BC, MB, NB, NL, NS, ON, PE, SK
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Completely free to use + Monitors score from Transunion.
Special Features
  • Receive notifications if notable changes occur
  • Retrieves info from both major credit bureaus
  • Identity monitoring available
Monthly Fee
$0
Which Credit Bureau?
See Issuer for Details
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Weekly
Mobile App
Yes
 
Monthly Fee
$24.95
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
3.5 Genius Rating
1.0 (1) User Reviews

Equifax is one of Canada's 2 national credit bureaus and the Equifax Complete Premier subscription service provides unlimited access to your Equifax credit score, credit report, and much more. Getting this information straight from the source can be invaluable for many Canadians who are worried about identity theft and/or improving their credit. This aids in spotting errors, fraud, or any potential leaked data and getting it fixed.

Pros
  • Up to $1 million identity theft coverage
  • Identity restoration services
  • WebScan
  • Daily access to your Equifax credit score and credit report
  • Credit report alerts
  • Family and friends version
  • Equifax Complete Protection
Cons
  • High monthly fee
  • Lack of a mobile app
  • Credit score is only half the picture
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Up to $1 million in ID theft insurance + Daily credit score updates.
Special Features
  • Comprehensive credit monitoring and identity theft protection
  • Up to $1 million in ID theft insurance
  • ID restoration services
  • Just $4.95 for the first 30 days
Monthly Fee
$24.95
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Daily
Mobile App
Yes
 
Monthly Fee
$0
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
2.9 Genius Rating
5.0 (1) User Reviews

Monitoring your credit score is increasingly important these days. With fraud and scams ever on the rise, keeping an eye on your credit score will alert you to any potential issues, such as identity theft or credit card fraud. Your credit score is also important because most lenders will approve or deny your credit applications based on it.

Pros
  • Bank level security
  • Personalized recommendations
  • Completely free
Cons
  • Limited customer service
  • No guaranteed approvals
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Free credit score and report + Personalized tips, tools, and offers.
Special Features
  • Personalized recommendations
  • Personalized credit education
  • Bank-level security for your personal information
  • Valuable referral program
Monthly Fee
$0
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Weekly
Mobile App
Yes
 
Monthly Fee
$10
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
2.3 Genius Rating
5.0 (1) User Reviews

If your credit score isn't the best, it can be hard to figure out how to start improving it. Most recommend getting a secured credit card, but for this you have to put down a deposit with the card issuer. This can be tricky if you don't have any extra money to spare.

Pros
  • Simple and easy to understand
  • Inexpensive
  • Shows you your progress
  • Available everywhere in Canada
Cons
  • An additional expense
  • Doesn't help you learn to be more responsible with your money
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Build your credit for only $10/month + Keep tabs on your progress.
Special Features
  • Minimal effort required for satisfying results
  • No hard credit check necessary
  • Guaranteed approval
  • KOHO International Money Transfer allows you to send money abroad to people in over 190 countries, right from your KOHO balance
Monthly Fee
$10
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Monthly
Mobile App
Yes
 
Monthly Fee
$10
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
No
2.1 Genius Rating
0.0 (0) User Reviews

If you're in need of building your credit, Kikoff can do just that. For a monthly fee of $10, Kikoff builds your credit & reports it to Equifax. Turn on autopay to make on-time payments each month, and then watch your credit grow.

Pros
  • Reasonable monthly fee
  • See your credit progress
  • Cancel when you like
Cons
  • Only reports to 1 credit bureau
  • No access to your credit report
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Get help building your credit for a low monthly fee.
Special Features
  • Builds your credit
  • No credit check
  • No hidden fees or interest
Monthly Fee
$10
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
No
Update Frequency
Monthly
Mobile App
Yes
 
Monthly Fee
$34.95
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
2.1 Genius Rating
0.0 (0) User Reviews

Equifax Complete Protection (not to be confused with Equifax Complete Premier) takes your digital information security to another level completely. It includes the usual credit monitoring services you'd expect from Equifax, including credit alerts, daily updates of your credit score and report, and help with ID theft recovery. But it includes much more – VPN access from NordVPN, password manager from NordPass, and social media monitoring, parental controls, and even notifies you if your personal data has been leaked online.

Pros
Cons
  • High monthly fee
  • Does not monitor Transunion
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Get your social media monitored, device protection, a VPN and password manager + Up to $1 million in ID theft insurance.
Special Features
  • Daily access to credit score and report
  • ID theft coverage
Monthly Fee
$34.95
Which Credit Bureau?
Equifax
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Daily
Mobile App
Yes
 
Monthly Fee
$24.95
Which Credit Bureau?
Transunion
Credit Score Access?
Yes
Credit Report Access?
Yes
1.6 Genius Rating
1.0 (1) User Reviews

From one of Canada's official credit bureaus comes TransUnion Credit Monitoring, a subscription service that provides unlimited access to your credit score, report, and many other valuable features.

Pros
  • Credit information straight from the source
  • Personalised debt and credit analysis
  • Receive email alerts
  • $1 million expense reimbursement insurance
Cons
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
Why You Want It
Up to $50,000 of ID theft insurance + Automatic email alerts.
Special Features
  • Personalized credit and debt analysis
  • Information is right from the bureau itself
  • Up to $50,000 ID Theft Insurance
  • Unlimited updates that you can check at any time
Monthly Fee
$24.95
Which Credit Bureau?
Transunion
Credit Score Access?
Yes
Credit Report Access?
Yes
Update Frequency
Unlimited
Mobile App
No
 
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