Checking your credit score and reports

As you are aware, every time you apply for a credit card, you incur a credit inquiry as part of the process. These may be hard or soft inquiries. Your accessible credit score may differ from what the financial institutions see. Moreover, the underlying metrics have more significance than what your score may show. Given that, knowing and checking your exact credit score is probably less important than you think. Regardless, here are resources for you to check your score or report.

Interac Verification Service

Equifax

Credit reports: unavailable

Credit scores: once a month, per online banking member credential

(Tip: TD Canada Trust uses this score for credit adjudication)

Direct Link | iOS: https://apps.apple.com/ca/app/interac-verification-service/id1090441769

Direct Link | Google Play:

https://play.google.com/store/apps/details?id=com.securekey.verifiedme

Credit Karma

TransUnion

Credit reports: once a week

Credit scores: once a week

Direct Link: https://www.creditkarma.ca/

Borrowell

Equifax

Credit reports: once a month

Credit scores: once a week

Direct Link: https://borrowell.com/free-credit-score

RBC Online Banking

TransUnion

Credit reports: once a month

Credit scores: once a month

Available on Browser only

Scotiabank Online Banking

TransUnion

Credit reports: once a month

Credit scores: once a month

Available In-App or on Browser

BMO Bank of Montreal

TransUnion

Credit reports: once a month

Credit scores: once a month

Available In-App or on Browser

My.Equifax.Ca

Equifax

Credit reports: once a month

Credit scores: once a month

Direct Link: https://my.equifax.ca/consumer-registration/?lang=en

TransUnion.ca

TransUnion

Credit reports: once a month

Credit scores: unavailable

Direct Link: https://secure-ocs.transunion.ca/secureocs/home.html?lang=en

CIBC Online Banking

TransUnion

Credit reports: once a month

Credit scores: once a month

Available In-App or on Browser

Desjardin AccesD

TransUnion

Credit reports: once a month

Credit scores: once a month

Available on Browser only