Rule
Your
Score

Get free monthly Equifax credit score monitoring

We offer free monthly credit monitoring which is not only an important part of managing your financial health, but can also help identify potential ID theft. Learn how Mogo can help you in light of the recent Equifax breach.

Monitor my score

Why you need to monitor your credit score

The score that comes with your MogoAccount is from Equifax, the largest credit bureau in Canada and the one that many of the big banks and even landlords rely on. Protect yourself with free monthly Equifax credit score monitoring powered by Mogo; it can help you spot signs of identity theft or fraud so you can stay financially healthy.

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent
850
Rockstar
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Poor

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.

Fair

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.

Good

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.

Very good

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.

Excellent

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.

Rockstar

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

Sign up and get your credit score right away

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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