Canada’s two credit bureaus, Equifax and TransUnion, don’t publish an official national average credit score. The figures you’ll see come from companies that analyse large numbers of credit files, and they differ because they use different scoring models. This page gives two widely cited sources, with the breakdowns each publishes. It’s part of the credit score hub; for what each score range means, see credit score ranges.
The average score, by source
| Source | Scoring model | Average | Data |
|---|---|---|---|
| Borrowell | Equifax Risk Score | 679 | 2026, over 4 million members |
| FICO | FICO Score | 760 | April 2024 |
Both use Canada’s 300 to 900 scale, but the score a lender sees can differ from both, since several scoring models and versions are in use. FICO’s figure was down from 762 a year earlier.
Average credit score by age
Borrowell’s data shows averages rising with age:
| Generation | Average score |
|---|---|
| Gen Z (18 to 28) | 659 |
| Millennials (29 to 44) | 673 |
| Gen X (45 to 60) | 676 |
| Baby Boomers (61 to 79) | 718 |
| Silent Generation (80+) | 769 |
Source: Borrowell, 2026 member data.
By location
Neither bureau publishes averages by province. Borrowell publishes averages for 20 major cities; in its data the highest was Quebec City (723) and the lowest Edmonton (646).
How your score compares
A single average says little about what a lender will offer; what matters is which range your score falls in and what’s on your report. The credit score hub explains what raises and lowers a score, including credit utilization and how long a bankruptcy stays on your report. To see what’s behind your own number, how to read your credit report walks through each section.
Related reading
Sources
The figures and rules on this page come from these sources, last checked against them on September 25, 2026. How we check facts.