Sample credit score from Equifax Canada

From: Financial Consumer Agency of Canada


This example is for illustration purposes only and may not include all information typically provided in a credit report or score. FCAC has modified the presentation for online display. This example may not appear in exactly the same way as the credit report or score you receive from a credit reporting agency.

Score summary as of 03/04/2012

750 Very good

Where you stand

The Equifax Credit ScoreTM ranges from 300-900. Higher scores are viewed more favorably. Your Equifax credit score is calculated from the information in your Equifax Credit Report. Most lenders would consider your score very good. Based on this score, you should be able to qualify for some of the lowest interest rates available and a wide variety of competitive credit offers should be available to you.

Your credit score of 750 is better than 52% of Canadian consumers.


Fourteen percent of consumers have scores in the same range as this consumer.


For information on the factors that affect your credit score, see the section “How to improve your credit score”.

What’s impacting your score

Below are the aspects of your credit profile and history that are important to your Equifax credit score. They are listed in order of impact to your score—the first has the largest impact, and the last has the least.

  • Ratio of satisfactory trades to total trades in last 24 months.
  • Number of personal finance trades with high utilization in the last 3 months.
  • Worst rating for installment trades in the last 12 months.

The bottom line

Lenders consider many factors in addition to your score when making credit decisions. However, most lenders would consider you to be a very low risk. You may qualify for a variety of loan and credit offers at some of the lowest rates available.

If you’re in the market for credit, this is what you might expect:

  • You may be able to obtain high credit limits in your credit card.
  • Many lenders may offer you their most attractive interest rates and offers.
  • Many lenders may offer you special incentives and rewards that are geared to their most valuable customers.

It is important to understand that your credit score is not the only factor that lenders evaluate when making credit decisions. Different lenders set their own policies and tolerance for risk, and may consider other elements, such as your income, when analyzing your creditworthiness for a particular loan.

Equifax makes no representations, warranties or guarantees regarding your Equifax Credit ScoreTM (“ECS”) and your ability to obtain credit or any other benefit. Your ECS may be only one of many items used by an Equifax customer to determine your eligibility for credit or any other benefit. Equifax does not make, and is not responsible for decisions made by its customers. All customers are required to abide by applicable credit reporting and privacy laws when accessing and using credit information. Equifax® and Equifax Credit ScoreTM are trademarks of Equifax Canada Inc. ©2012 Equifax Canada Inc. All rights reserved.


Source: Equifax Canada

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