It’s pretty easy to track your credit score these days⁠—perhaps through a paid subscription to Equifax Canada or Trans Union Canada, or through free offerings from your bank, or other entities such as Borrowell or Credit Karma. But there is no consistency among these various sources. And none of these scores are the same score your lenders will see when they request a copy of your personal credit report. In fact, there can be dramatic differences. Therefore, you should focus on best practices at all times.