Your credit score: Know it. Grow it.

Capital One has provided credit to 4 million Canadians who had a low credit score¹ and we're committed to helping them grow it.

Your credit score can play an important role in helping you achieve your financial goals. It represents how you’ve used credit in the past, and lenders take it into consideration when deciding whether or not to extend credit. This includes leasing a car or applying for a credit card in the future.

Why knowing your score can help you feel more at ease about your finances and how to help improve your credit score.

We share some healthy habits that could have the most impact on your score.

Pay your bills on time

Making at least the minimum payment to your credit accounts on or before the due date shows lenders that you’re committed to building good credit.

Monitor your credit usage

Using most or all of your available credit can make you appear riskier to lenders. Try to keep your credit usage across all your credit accounts low.

Build your credit history

Maintaining these healthy habits gives lenders a picture of how you’ve managed your credit over time. Find out which credit card you'll be approved for before you apply, with no impact to your credit score.

Feel more at ease by checking in on your credit score.

If you’re looking to build or rebuild your credit, knowing your score can give you a head start because it provides a picture of your current credit health.

Credit Keeper^® from Capital One gives you quick access to your credit score for free. You don’t have to be a Capital One customer to use it, but if you are, you can check your credit score within Capital One online banking or our mobile app. (Credit Keeper is currently unavailable to Quebec residents.)

You can check your score regularly to see how it changes over time. Checking won’t impact your score, no matter how often you do it.

Find out which of our credit cards you’ll be approved for before you apply², with no impact no impact to your credit score.
Try Quick Check^®. 

Learn more about how Capital One can help you on your financial journey.

^* If Quick Check pre-approves a card, you can be sure we’ll approve your application, except in limited circumstances. Some of the reasons we may not approve your application, among others, include:

a. There’s been a change in your credit file information, personal information or financial status from the time you receive your Quick Check results to the time you apply for one of our credit cards.

b. You’re not at least the age of majority in the province or territory you live in.

c. Your application is flagged for fraud prevention.

d. You have an existing Capital One account.

e. You’ve applied for a Capital One account in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.

¹In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.

² Conditions & limitations apply.