You can check your score 8 different ways in Canada — some free, some paid, half pull TransUnion, half pull Equifax. The catch: your score from Borrowell isn't your score from KOHO. They're using different bureaus.
Largest user base (4M+). Weekly score updates and monthly free Equifax-style report. Earns from partner referrals — no hidden fees.
Equifax doesn't offer a free tier directly. KOHO (with a KOHO account) and Mogo both pull Equifax for free.
Sign up for both = you can see TransUnion AND Equifax scores side by side. Best way to spot bureau disagreements before applying.
When YOU check your own score through Borrowell, KOHO, CreditKarma — it's a soft inquiry. It does NOT affect your score. You can check daily if you want.
When a lender pulls your credit to approve you (mortgage, car loan, credit card application) — that's a hard inquiry. Each one knocks ~5 points off for 12 months.