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Your credit score has a huge impact on your ability to take out a mortgage, buy a car, and even get approved for a credit card.

The good news is, with the help of a service called Borrowell, checking your credit score is fast, simple, and totally free.

Boost your score by 100s of points

Oswald chilling
askoldsb / Twenty20

In just 3 minutes Borrowell will show you your Equifax credit score and credit report.

You can access your credit information anytime, and Borrowell updates it every month so you can easily keep track of your progress.

And if your credit score isn’t where you’d like it to be, Borrowell’s free credit monitoring service will give you personalized tips to help you turn things around fast.

“I followed their advice and went from a 560 to a 680 in a few months,” says Oswald, a Borrowell customer since 2019.

Oswald also took advantage of Borrowell’s customized product recommendations, which show you the best offers on financial products like loans and credit cards.

“I got a recommendation for a LOC and… was approved at a decent interest rate,” he says. “Highly recommended.”

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Knowledge is power

Michelle smiling
Sol Vazquez Cantero / Shutterstock

Sometimes life throws you a curveball and a drop in your credit score is unavoidable. Just ask Michelle, whose score took a major hit when her cat Epic got sick and she had to take out a predatory loan from the veterinary clinic.

“You’re desperate so you take high interest, high fees, and generally dirty practices to save your pet’s life,” she remembers. “I was in a very bleak situation.”

Epic the cat
Michelle Coe / Borrowell

But then Michelle started monitoring her credit with Borrowell and soon her score did a 180.

“Being able to have all the information that came along with the credit monitoring was... really helpful, especially at the beginning,” she says.

Once her credit cards were paid off, Michelle took out a debt consolidation loan with Borrowell, and now her high-interest loan is history. And in case you’re wondering, Epic is doing great.

“I feel like I’ve made it over the mountain and that thought in itself leaves me less stressed.”

Tools to help you turn things around

Amanda & son
caramel2684 / Twenty20

In addition to providing your credit score, Borrowell also offers free tools to help you improve it. By using these resources, many Borrowell users have completely changed their financial outlook.

Take Amanda, for example. She racked up a huge amount of credit card debt in her 20s and eventually filed for bankruptcy, which tanked her score.

After a few years of skating by, Amanda found out she was going to have a baby and decided it was time to do something about her financial situation.

“The moment I realized I [had] to change things was when I looked at my credit statement and saw that it was going to take 73 years to pay it off, paying only the minimum," she says.

She started using Borrowell and took advantage of their free AI-powered credit coach, Molly, which gave her personalized advice on how to boost her score and get out of debt faster.

Now Amanda’s making smart choices to help get her finances back on track — not just for herself, but for her son too.

“The more I use Borrowell, the more I can see my financial health improve, and I really do trust it,” she says.

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Changing your credit score could change your life

Don’t put off checking your credit score a minute longer – the sooner you know where you stand, the easier it will be to turn things around.

Borrowell helped Oswald, Michelle, and Amanda take control of their credit, and it can do the same for you.

Even if you’re just curious, sign up for Borrowell today. It’s totally free, and it only takes a few minutes to get started.

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About the Author

Shane Murphy

Shane Murphy


Shane is a reporter for He holds a bachelor’s degree in English Language & Literature from Western University and is a graduate of the Algonquin College Scriptwriting program.

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The content provided on is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.