How to Check Your Credit Score in RBC

If you’re looking to make a large purchase or investment, it’s good to be aware of your current financial situation to ensure you can afford to take this next step. 

Reviewing how much money you have set aside, any upcoming payments that may affect how much money you can spend, and checking your credit score are all important factors when applying for a loan, getting a new insurance plan, or making another similar financial investment.

If you have an account through the Royal Bank of Canada you may be wondering how to check a credit score at RBC. Read below to learn how you can credit score and stay tuned for some more popular questions. 

Why you should check your credit score

Checking your credit score is an essential part of maintaining your financial well-being. The bank needs to view you as a reasonable credit risk to make a large purchase, like getting a car loan, signing up for new insurance, purchasing a home, starting a business, or another large investment. 

By having a good credit score and credit history, you’ll have a better chance of qualifying for a loan and receiving reasonable rates on your future credits. If your credit is low, viewing the report can help you pinpoint areas where you can improve your credit and build it up over time. 

Not only is being aware of your credit score necessary for making large purchases, but it’s also an excellent way to ensure your credit history and report is accurate. If there are any errors or unauthorized credits in your account, doing credit checks regularly can help you catch such issues and prevent any fraudulent activity.

Is the RBC credit score check free?

If you want to check your credit score on your RBC bank account, the service is entirely free of charge. RBC makes its credit checks available through the TransUnion CreditView Dashboard, a free service for anyone with an RBC bank account or who has an account with another Canadian bank that uses this service. 

The TransUnion CreditView service is considered a soft checker, meaning it doesn’t harm your credit score. It’s also very user-friendly and easy to understand. 

Now that you’re more familiar with the RBC credit score check service, continue reading below to find out how to check a credit score on RBC.

How do I check my credit score on RBC?

If you’d like to check your credit score on RBC, you can do so using their online banking portal. Unfortunately, RBC doesn’t allow its account holders to check their credit from the RBC Mobile app, so if you only have a mobile device, you’ll have to access the website on your device’s internet browser.

Want to know how to check your credit score on RBC? Follow these steps:

1. From your computer or device, access the RBC online banking portal and log in to your account
2. On the right-hand side of your screen, scroll down to the My Services box
3. In the box, select the View My Credit Score option
4. Read through the legal disclaimer and then select Continue
5. Next, read the Credit View Dashboard Agreement and select the I Accept & Continue button. This will lead you to the credit check dashboard. 

Once you’ve successfully accessed the CreditView Dashboard, you can view your credit score along with other educational resources regarding credit monitoring, mortgages, credit cards, credit reports, and other subjects related to your credit score. 

Is the RBC credit score check accurate?

RBC runs its credit checks through TransUnion, one of Canada’s most reputable credit bureaus. Therefore, their credit scores are accurate based on your entire credit history. 

However, if you’ve reviewed your credit score and noticed that it seems inaccurate based on your credit record, you can contact TransUnion via snail mail at the following address:

TransUnion of Canada Inc.

Attn: Consumer of Relations Department

170 Jackson St E Hamilton, ON

T3M 6K8

After contacting TransUnion about the issue, expect a slight delay in receiving a response, as they currently do not deal with credit score issues over the phone or via email.

Other related FAQs

Now that you know how to check a credit score on RBC, you likely have other questions about your credit check. 

For instance, what is considered a good credit score on RBC? What credit score do you need to get an RBC credit card? To learn the answers to these and other related questions, keep reading below:

What is considered a good credit score at RBC?

According to RBC, a good credit score falls between 660-742. If you rank anywhere in this range, the bank considers you a reasonable credit risk. Further, an excellent credit score ranges from 725-900. 

If you can achieve a good to excellent credit score on your RBC account, you’ll be eligible for a few different benefits, such as receiving better premiums on your insurance and paying lower interest rates on your balance owed. 

How can I apply for an RBC credit card?

If you’d like to apply for an RBC credit card, you can do so by following the below steps:

Online banking:

1. After logging in to your RBC account, head to Account Summary and click the Apply for a Credit Card option
2. Select which card you’d like to apply for and click Apply Now, leading you to the entire application.
3. Fill out the prompts on the application page and then click Submit.

Mobile app:

1. Open up your RBC Mobile banking app. From the bottom of the home page, select More on the lower navigation bar
2. Next, select Open an Account under the Products page and select the Credit Cards option
3. Click the card you wish to apply for and select Apply Now
4. Follow the prompts onscreen to complete the application and hit Submit

You can also apply for an RBC credit card via telephone. Call the bank at 1-800-769-2512, and an RBC customer service representative will assist you. 

Which Canadian banks offer a free credit score check?

In addition to RBC, CIBC and BMO (Bank of Montreal) provide credit checks to their account holders completely free.

CIBC offers its own in-house credit check service through the CIBC Mobile Banking app, while BMO goes through the TransUnion CreditView Dashboard like RBC, which can be accessed via the online banking portal and mobile app. 

Conclusion – How to check a credit score at RBC

If you’d like to check your RBC credit score, you can do so through the TransUnion CreditView Dashboard, which you can access through your RBC bank account online. 

RBC and TransUnion offer credit score checks free of charge and use the soft check method to ensure the credit scores of account holders aren’t negatively impacted while reading through their reports. 

Currently, RBC only makes credit checks available through the online banking portal, so account holders who only own mobile devices will have to access the TransUnion dashboard through the web browser on their device. 

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