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Do you know what your credit score is?
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Why Does Your
Credit Score Matter?

Are you trying to rent a new apartment? Buy a home? Get a loan? If so, then it’s likely that your credit score will play a role in your eligibility for making major purchases or increasing your credit limit.

Like it or not, your credit score can play a significant role in what you can buy and how much credit you can get access to.

It’s important that you know your score and do what you can to improve it over time.

What is a Credit Score?

Your credit score, then, is a number that essentially summarizes your existing relationship with debt.

This number – on a scale from 250 to 850 – shows to lenders, renters, and other entities how “risky” you are as a borrower.

What is Your Credit Score Important?

  1. 47% of employers use credit checks when hiring new employees
  2. Many landlords report that credit score is one of the primary factors in them deciding to rent to someone
  3. Most banks and loan guarantors run a credit check to determine your eligibility for a loan
  4. Your credit score can play a role in what credit cards you are eligible for and can affect your interest rates
  5. With poor credit, you may be required to get a cosigner on loans, credit cards, or rental agreements (which can be a hassle)

What Does Your Score Say About You?

While your credit score doesn’t define you, it does give an indication as to your level of risk. For instance, a low credit score could show lenders and creditors that you are unlikely to pay your bills on time or make reckless purchasing decisions.

By contrast, a high credit score often shows that you are financially responsible, pay off your debts, and pay your bills on time.

Having a high credit score is preferred because it makes buying the things you want – or borrowing money – so much easier.

How to Check Your Credit Score Online

While all credit bureaus calculate credit score a bit differently, you can actually estimate your score using an online calculator.

Our Free Credit Score Calculator takes into account many factors related to your financial history to generate a close estimate for you.

At Insurdinary, we make it easy to calculate your score in minutes.

Free Canada Credit Score Calculator

Simply enter the required information into our Credit Score Calculator and we’ll do all the work in generating a possible credit score range for you.

  • The free Credit Score Calculator takes into consideration:
  • How long your credit history is
  • How diverse your credit sources are
  • Whether you have been making your payments on time
  • and Whether you have been maxing out on your credit limit

The entire process takes only a few minutes. Check your credit score now with our quick and simple Credit Score Calculator.

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Bad Credit?
5 Tips to Improve Your Score

A “bad” credit score is any score that is between 350 and 670.

Having a low score could impact your access to more credit and limit your ability to buy a home, rent a car, and more. Therefore, improving your credit score is important.
Illustration of Credit Cards
Follow these 5 tips to increase your credit score and get more financial freedom.

Pay Your Bills on Time

Make sure to pay your regular bills on time, in the right amount, every month. Each missed payment can negatively impact your credit score.

Don’t Close Unused Accounts

Closing an account can affect your “credit utilization ratio” - making it appear as though you are using a higher majority of your credit limit.

Pay Off Debt

Making the minimum payment every month and paying off as much of your debt as you can should be one of your top priorities.

Keep Balances Low

Use only what you need and pay it off on a regular basis. As a general rule, you should try to spend less than 30% of your credit limit.

Only Apply for Credit You Need

The act of applying for credit results in a “hard inquiry” that can negatively affect your credit score and remains on your report for 2 years.

What Makes Up Your Credit Score?

Your credit score is about more than just whether you pay your bills on time. There are many factors that go into determining your credit score.

Payment History

Roughly 35% of your score consists of your payment history – whether you pay your bills on time and in the right amount.

Amount Owed

About 30% of your credit score is based on how much debt you owe. This can be from student loans, medical bills, parking tickets, late utility bill payments, car payment, credit card debt, or any other type of debt.

Credit History

The length of your credit history also plays a role in your credit score – approximately 15%. If you haven’t had credit for very long, you may be seen as a higher risk because you have less of a history of paying down bills. This could mean a lower credit score.

New Credit

About 10% of your credit score is based on “new credit”, like whether you have had any new inquiries (like by a landlord) or have recently opened a new account.

Type of Credit

The last 10% of your credit score is based on the type of credit you have, or, mainly, whether you have revolving or installment accounts.

Credit Score
Frequently Asked Questions (FAQ)

There’s so much to know about what a credit score is, how it works, and why it matters for your finances. Get all of your important questions answered in our FAQ section below.

What is a credit score?

A credit score is a number between 350 and 850 that essentially summarizes your debt history. If you pay your bills on time and are overall a reliable borrower, you will likely have a fair to good credit score. A low credit score, on the other hand, can limit your access to things like credit, renting an apartment, getting a phone plan, getting a loan, or buying a car.

Why should I know my credit score?

You should know your credit score so that you can make informed financial decisions. If you have a low score, you may need to pay down your debt before making another major purchase. If you have a high score, it may be okay to get another credit card or take out a loan. You should avoid taking on more debt if you don’t have to.

How do I find out what my credit score is?

Use the free Credit Score Calculator to estimate your Canada credit score online. Simply enter your information on and we will send you an estimated credit score range. Knowing your score will help you make smarter financial decisions.

What impacts my credit score?

Some factors that affect your credit score are 1) how long your credit history is, 2) how many accounts you have open, 3) whether you pay your bills on time, and 4) if you’ve had any recent hard inquiries on your report. There are other factors as well, and our Credit Score Calculator takes these into account.

What can I do to improve my credit score?

You can slowly improve your credit score by paying your bills on time, not applying for too much credit, and paying down your debt. You should also avoid getting too many hard inquiries on your accounts. Over time, your credit score will improve and you will have more financial freedom.
Use our free Credit Score Calculator to get an estimation of your credit score range. The more information you have, the more prepared you’ll be to make important financial decisions.
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