Borrowell Review (Free Credit Score Checker)

Ever since I got my AMEX cards shut down, I’ve been monitoring my credit score closely to see if it has improved. It’s very unethical for AMEX Canada to shut down my cards when my balance was not due yet. Regardless, the deed is done and I no longer bank with AMEX Canada. Borrowell has been my go-to free credit score checker since they regularly update me on the status of my credit score. In this article, I will talk about my experience using this website to monitor my credit score.

VIDEO – Borrowell Review (Free Credit Score Checker)


Borrowell is a fin-tech online company that pulls your credit score through Equifax. Each major credit card uses a specific credit bureau. The major credit card issuer or financial issuer that uses Equifax is as follows:

  • Bank of Montreal (BMO)
  • CIBC (Canadian Imperial Bank of Commerce)
  • Capital One
  • National Bank of Canada
  • TD Canada Trust
  • HomeTrust (Visa)
  • HSBC
  • PC Financial

Despite AMEX not being on the list, Borrowell (referral link) still updates your credit score on a regular basis. The lowest my credit score has gone down to is 698 points and I’m still working on bringing it back up. The highest its been since the AMEX shut down is 714 points. Since I still apply for different credit card products, my credit score continues to fluctuate up and down.


Since the whole AMEX Canada shutdown, I’m curious to see how long before my credit score recovers. Normally, after a big credit score dip, my credit score normally recovers rather quickly. This is the first time I’ve experienced this big dip that refuses to recover quickly. More often than not, the recovery rate is 1 point at a time. The one year anniversary of the shut down is coming sometime in June 2021 so we’ll see if that creates an impact in my credit score moving forward.

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