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.

Knowledge is power

Michelle smiling
Sol Vazquez Cantero / Shutterstock

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 help you turn things around.

Just ask Michelle, whose score dropped big time when her cat Epic got sick and she took 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 her score increased dramatically.

“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 to monitor her score, and also took advantage of their free AI-powered credit coach, Molly, which provided personalized tips to help improve her credit.

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.

Boost your score by 100s of points

Oswald chilling
askoldsb / Twenty20

You might be surprised just how quickly Borrowell’s free credit monitoring services and educational tools can help you bump up your score.

“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 personalized 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.”

Changing your credit score could change your life

So don’t put off checking your credit score a minute longer – the sooner you know where you stand, the easier it will be to get back on track.

Borrowell helped Michelle, Amanda, and Oswald turn things around, 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.

About the Author

Shane Murphy

Shane Murphy

Staff Writer

Shane is a staff writer for MoneyWise. He holds a bachelor’s degree in English Language & Literature from Western University and is an alumnus of the Algonquin College Scriptwriting program.