The credit score and report you see from Borrowell comes directly from Equifax as a result of our ongoing partnership. At Borrowell, we show you your Equifax Risk Score 2.0 as this is a widely used score in Canada for making consumer credit decisions. Equifax is a credit bureau and is responsible for calculating this credit score and for the information shown on your credit report. Borrowell is just a service that is able to show our members their Equifax information for free to give them visibility to where they stand.
Here is a news article from the Globe and Mail detailing this partnership when it first launched for your reference. This partnership is still ongoing.