Use the Credit Score Simulator
Simulate Credit Score Changes
Select actions you plan to take:
How This Tool Works
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Enter your current credit score (300–900 Equifax/TransUnion Canada scale)
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Select the actions you plan to take: pay down debt, dispute errors, reduce utilization, and more
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Each action is weighted based on its typical impact on Canadian credit bureau scores
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View the estimated impact on your score over 3, 6, and 12 months
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Results are based on Canadian credit bureau scoring models and industry data
Ready to Compare Your Options?
See personalized loan offers from 50+ Canadian lenders — no impact to your credit score.
Understanding Your Results
The simulator shows estimated score improvements based on typical Canadian credit bureau data. Paying down revolving debt often has the largest impact, especially if your credit utilization drops below 30%. Removing missed payments or collections can take time to reflect on your report. Scores above 680 generally qualify for the best Canadian loan rates, while scores above 750 are considered excellent.
Responsible Borrowing Advice
Improving your credit score takes time and consistent effort. Avoid quick-fix schemes that promise instant score boosts—they're often scams. Focus on making all payments on time, keeping credit utilization low, and only applying for credit you need. Check your free credit report annually from Equifax Canada or TransUnion Canada to monitor progress.