Credit Building Timeline Estimator

    Estimate how long it may take to improve your credit score based on your current actions.

    300850

    Your current score (300-900 in Canada)

    400900

    Score you want to achieve

    %
    50%100%

    Expected payment consistency

    %
    5%80%

    Target credit utilization rate

    05

    Number of collections on file

    Rough estimate. Not advice.

    Estimated Time to Goal

    18

    Est. Monthly Improvement

    7

    Score in 6 Months

    622

    Score in 12 Months

    664

    Points to Gain

    120

    Est. Monthly Improvement7
    Score in 6 Months622
    Score in 12 Months664
    Points to Gain120

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    Rate source: Equifax Canada / TransUnion Canada