What is a good credit score in Canada? Ranges, the average and why yours may differ
Quick summary
Credit scores in Canada usually run from 300 to 900, and a higher score is better. Equifax says a score from 660 to 724 is good, 725 to 759 is very good, and 760 and up is excellent. The bands differ by scoring model, so see how credit scores work in Canada.
Checked November 3, 2026. Main source: Equifax Canada: What is a good credit score? (page undated, footer 2026). See all 3 sources.
Credit score ranges
| Rating (Equifax Canada) | Score |
|---|---|
| Poor | Generally below 560 |
| Between poor and good | 560 to 659 (the page gives no label) |
| Good | 660 to 724 |
| Very good | 725 to 759 |
| Excellent | 760 and up |
- Poor300 to 559
- Not named by Equifax560 to 659
- Good660 to 724
- Very good725 to 759
- Excellent760 to 900
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Source: Equifax Canada: What is a good credit score? (page undated, footer 2026). The page says the bands vary by scoring model. The Financial Consumer Agency of Canada (FCAC) says scores usually range from 300 to 900 and gives no rating bands.
What is the average credit score in Canada?
We did not find an official average on the pages we read. Equifax's page gives none, FCAC's page gives none, and the TransUnion Canada quarterly report we read lists no average score. Blogs quote averages, but they do not say where the number comes from, so we do not print one.
What matters more is your own number, and which model made it. The next step is to look at yours.
Why your score can be different in two places
FCAC says two credit bureaus, Equifax and TransUnion, create credit reports and scores. It also says bureaus and lenders use different formulas and do not share the exact details. A lender may weight some information more heavily, so the score you see may not match the one a lender sees.
Source: FCAC: Credit report and score basics (modified July 1, 2026).
Check yours for free
FCAC explains how to order your credit report and score. Look for errors and old accounts you do not recognize.
Check what you learned
3 quick questions. Nothing is saved or sent.
1. What range do Canadian credit scores usually run from, says the FCAC?
2. On the Equifax Canada bands, which band is a score of 700 in?
3. Why can your score differ between two apps?
Questions people ask
What is a good credit score in Canada?
Equifax Canada's page says 660 to 724 is good, 725 to 759 is very good and 760 and up is excellent. Bands vary by scoring model, and a lender may use its own.
What is the highest credit score in Canada?
Credit scores usually run from 300 to 900, per FCAC, so 900 is the top of the range.
What is the average credit score in Canada?
We did not find an official average on the Equifax, FCAC or TransUnion Canada pages we read, so we do not print one.
Is a 700 credit score good?
On the Equifax Canada bands, 700 falls in the good range (660 to 724). A lender may judge it differently.
Why is my score different on two apps?
The two bureaus, Equifax and TransUnion, use their own formulas and hold different information, and apps may use different models. FCAC says lenders may also weight things differently.