Check your credit score in Canada for #FREE, no hidden costs & 100% secure.

Just fill out our simple online form to get your #Free credit report in Canada. You'll receive your latest credit report with your credit score from significant credit bureaus like Equifax® without paying a cent.

But why is it essential…...?

Checking your credit score and finding the holes in your credit score report is essential to building perfect credit. Your free credit score gives you the status of your current credit and helps to improve it.

A 'good' range of credit scores can give you a higher credit limit, easy approval, and financial products like loans and credit cards at cheaper rates.

  • Step 1

    Fill out our simple and secure online form.

  • Step 2

    Submit your form with your details and we'll retrieving your latest credit history report.

  • Step 3

    Get your #Free credit report along with your credit score from us the next business day. Don't worry, it won't affect your credit score.

Read the article: Why your credit score is important?

credit-check-application Get Your Free Credit Report Now!

Don't worry, it won't harm your credit rating & free forever.



What's inside my Credit Report?

Your credit history is a mixture of your personal and financial information. Usually, it includes your credit rating, which the credit provider uses to estimate your creditworthiness when you apply for a new credit, such as a loan or credit card. When applying for credit, a credit file with a credit score is critical.

Your Credit File includes…

  • Personal Details
  • Employment Details
  • Credit Enquiries
  • Previous Credit Applications
  • Defaults
  • Court Writs & Summons
  • Bankruptcy
credit-check-application Get Free Credit Report

Don't worry, it won't harm your credit rating & free forever.



How do I get my Credit File?

PaydayMart helps you to get a copy of your credit report absolutely #Free. You can check your credit score, evaluate inaccuracies, and detect warnings early. If you applied for a personal loan or credit card in the past and unfortunately declined, experts always recommend checking the credit report and credit score to improve it.

Looking for finance? We could help with…

  • Car Finance
  • Equipment Finance
  • Personal Finance
  • Short-term/Payday Finance
  • Auto Loans
  • Business Loans
  • Mortgage
  • Debt Relief
  • Credit Building
credit-check-application Get Free Credit Report

Don't worry, it won't harm your credit rating & free forever.



What does the Credit Score mean?

The critical part of your credit report is your credit score. Major credit referencing bureaus like Equifax score your credit score in numbers from 300-850. With credit score help, lenders can easily see which financial category you belong to, 'Bad' or 'Good.' If you are repeatedly declined for new credit, it's time to check your credit report.

Your Score Explained…

  • Excellent: 800–850
  • Very Good: 740–799
  • Good: 670–739
  • Fair: 580–669
  • Poor: 300–579
credit-check-application Get Free Credit Report

Don't worry, it won't harm your credit rating & free forever.



Why Free Credit Score Check in Canada?

According to an independent survey conducted by BMO states that 56% of Canadians never check their credit score, and only 14% check it once a year.

BMO survey also revealed that millennials aged 18-34 are more concerned about their credit rating, and 20% check their credit score at least once a year. On the other hand, 35% say they need to learn how to check their credit score and attain a good credit score.

Don't be one of them; stand with a good credit rating. PaydayMart helps you in this mission by offering a free credit check in Canada!!

We pull your credit report directly through significant credit bureaus like Equifax and TransUnion and provide you with absolutely complete premium credit report absolutely #FREE.

How We Can Help you…

Our Free online credit score and report offer to our Canadian customers helps them to take practical steps on time to rebuild and improve their credit scores much faster.

Why did I choose you?

  • A summary of the factors impacting your credit score.
  • An easy-to-read summary of the information on your credit file.
  • It is a Free Forever, with no monthly or annually paid subscriptions.
  • Creating an account has no impact on your credit score.
  • You can also compare rates, and loan offers with a Free credit report.
  • Get Free expert advice on how to improve your credit score again.

HERE'S THE BEST WAY TO TAKE A FRESH MOMENT FOR YOURSELF… AND FOR YOUR CREDIT SCORE!!

In Canada, it is essential to know your up-to-date credit score. When you apply for new credit, your credit report is the first thing to be considered by the lenders while assessing your affordability and suitability.

If you know everything about your credit score, you can make a more sensible and educated decision. It means you see what sorts of credit products you should apply right now and what to avoid.

You must pay a much higher interest rate to borrow money if you come under the 'low' or 'poor' credit score range. In addition, it will be hard for you to get loan and credit card approval.

But do you know when to apply for a new financial product? To get the best deal without paying too much? The answer is simple, manage and track your credit score health by checking it with our #FREE credit score and report tool and stay one step ahead.

In Canada, the two major credit reporting bodies are Equifax and TransUnion. We retrieve your premium credit report from these credit reporting bodies and give you 100% Free.

Frequently Asked Questions

Do You Really Understand Your Credit Score?

First of all, let's find out what it meant by 'excellent', 'good', and 'fair' credit score?

Credit Reference Agency (CRA) Excellent Good Fair
Experian 961 to 999 881 to 960 721 to 880
TransUnion 628 to 710 604 to 627 566 to 603
Equifax 466 to 700 420 to 465 380 to 419

Top 5 Factors that Make Up Your Credit Score

Factor %
Payment History 35%
Amounts You Owe 30%
Length of Your Credit History 15%
New Credit You Apply For 10%
Types of Credit You Use 10%

How Are Credit Scores Calculated?

A credit score is a numerical expression based on what's stored in your credit report, a.k.a. credit file. A credit score is crucial because it shows your creditworthiness and how effectively you manage your debts.

For instance, if you regularly pay all your bills on time, it positively impacts your credit score and gradually increases it. But if you have a history of default, missed or late payments, or bankruptcy, then it would harm your score.

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*Timing might be varied. T&Cs apply. Applying won't affect your credit score

alistair-croll

Alistair Croll
Staff Writer & Editor

Who I am?

Writer, speaker, financer accelerant. The intersection of tech & society. He enjoys writing informative guides mainly related to finance and credit products that help readers make better decisions. View My Profile

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