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Why you need to monitor your credit score
The score that comes with your MogoAccount is from Equifax, the largest credit bureau in Canada. It shows how trustworthy you are when it comes to money. Your credit score matters when landlords, lenders, and employers determine what to offer you.
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At this score, it’s likely difficult to get access to score dependant services (like financing), but don’t worry: time heals all wounds and you can improve your score over time.
With some work, this score can get on track to great! The higher you get, the more open lenders and landlords are to work with you. Fun fact - couples whose credit scores are similar are 24% more likely to stay together. Nice.
Most Canadians are in the 660 range, which is considered pretty good! Don't let your score settle under 680 though. Having a score over 680 will get you better mortgage rates and allow you to qualify for a higher mortgage.
With a score like this, you’re definitely on track! You’re likely a desirable candidate to lenders, and to landlords and employers who check credit scores.
Impressive! You’re clearly handling your finances like a boss. This score, combined with your income, should make financing and approvals from lenders, landlords, employers, etc. easy peasy.
Wow! Consider your finances ruled. It’s easy for you to get a loan with the best rates possible. Services that check credit scores will have high expectations from you. Did you know, 67% of Canadians would choose a partner with a good credit score over good looks?
How it works
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See your score for free, no strings attached, with no impact to your score.
Get notified every month
Your credit score changes over time based on your financial habits, and we send you your updated score every month.
Get on top of your financial life
- Learn how to improve your score
- Track your score monthly and keep a close watch
- Rule your score and achieve your financial goals
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