Printable credit health checklist + dispute letter pack
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A printable kit: a report review checklist for Equifax Canada and TransUnion Canada, a fill-in dispute letter, a utilization worksheet and a tracker for disputes and scores.
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Disclosure: Some links are sponsored. If you try a sponsored offer from this page, we may earn a commission. We're not affiliated with Borrowell or Equifax. This is general information, not financial advice. Facts come from Borrowell's help centre, checked November 9, 2026.
Last reviewed: by the Smart Savings Guides editorial team. How we research and update articles.
Borrowell re-pulls your Equifax Canada credit score every week, but the score only changes when your lenders report new information to Equifax, so a week with no change usually means nothing new was reported. A recent payment can take time to show: Borrowell suggests checking back in 2 to 3 weeks, because it depends on when your lender reports and when Equifax updates your file.
Key takeaways
- Weekly refresh: the top of your dashboard shows the last and next update.
- No new data, no change: lenders report on their own schedules, some every few days, some every few weeks or months.
- Payments: allow 2 to 3 weeks before worrying.
- Borrowell can't edit your report: errors are fixed with Equifax or the lender.
Why your Borrowell score isn't changing
- It isn't refresh day yet. Check the last and next update dates at the top of your dashboard; Borrowell also emails you when your score refreshes.
- Your lenders haven't reported. Borrowell says some lenders report every few days and others every few weeks or months.
- Equifax hasn't updated your file yet. There's a lag between a lender reporting and Equifax updating.
- Nothing changed enough to move the score. A steady score is normal if your balances and payments are similar.
Why a payment or balance hasn't shown up
Borrowell's help centre lists four timings that all have to line up: when you paid, when the company reports to Equifax Canada, when Equifax updates your file, and the date of your weekly Borrowell refresh. It suggests checking again in 2 to 3 weeks. If a balance is still wrong after that, ask the lender when it reports, and if the information is actually wrong, dispute it; see how to dispute a credit report error in Canada.
If your dashboard shows an error or no score
| Cause | What to do |
|---|---|
| Your Borrowell profile doesn't match Equifax (name, address, date of birth) | Correct your profile; if it's right, call Equifax Canada at 1-866-828-5961, then ask Borrowell to reset your account |
| A fraud or consumer alert on your Equifax file | Verification won't pass while it's there; Borrowell suggests keeping the alert for your security |
| Identity questions answered wrongly | Contact Borrowell for a reset, but resets are limited, so fix any mismatch first |
Seeing a different score elsewhere?
Borrowell shows your Equifax score. Credit Karma Canada shows TransUnion, and the two bureaus can hold different data, so the numbers rarely match. See Equifax vs TransUnion in Canada and Borrowell vs Credit Karma. For the basics of how Borrowell works, read our Borrowell review.
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Frequently asked questions
How often does Borrowell update?
Borrowell says it updates your credit score every week by re-pulling it from Equifax Canada. Your dashboard shows the last and next update dates.
Why hasn't my Borrowell score changed?
Your score only changes when lenders report new information to Equifax. If nothing new was reported, the weekly refresh shows the same score.
How long does a payment take to show on Borrowell?
It depends on when your lender reports and when Equifax updates your file. Borrowell suggests checking back in 2 to 3 weeks.
Can Borrowell fix a mistake on my credit report?
No. Borrowell gets its data from Equifax Canada and can't change items on your report. Contact the lender or dispute the error with Equifax.
Sources
Official sources this article relies on, checked November 9, 2026. Rules and prices change, so confirm details at the source.
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