Is the credit readiness check a real credit score?

No. It is a directional self-assessment based on your answers about your accounts, payment history, and other financial activity. It is not a credit-bureau score and it is not a credit pull. Your real Wiremi Pulse score is in the Wiremi app.

Does checking my credit readiness here affect my credit?

No. This tool does not contact any credit bureau and does no hard or soft inquiry, so it has no effect on your credit. It only reflects the answers you give.

Free, no sign-up, not a credit pull

Credit Readiness Check

Five quick questions for a directional read on where your Canadian credit stands and what would move it. This is an estimate, not your real score.

1. How many credit accounts (cards, loans) currently report in your name in Canada?

2. How long has your oldest Canadian credit account been open?

3. Have you missed any payments in the last 12 months?

4. On your credit cards, how much of your limit do you usually use?

5. Are you building any record outside traditional credit (rent reporting, a tracked ROSCA, savings)?

See your real score on Wiremi

The Wiremi app gives you your real Pulse score and tracks the activity bureaus ignore, so your savings discipline can one day count toward your credit history.

Download the Wiremi app

Wiremi does not yet report to any credit bureau. Reporting is in development.