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You can open your RBC Mobile App when you want to check your balance or pay a bill. What you don’t see, most days, is your credit score. Yet that number shapes your chances of getting a car loan, how lenders see you, and even what interest rates you’re offered.
If you bank with RBC, your credit score is already waiting. There are no hoops to jump through, credit checks, or impact on your score.
Since you have the access, you just need to know where to tap.
In this guide, you’ll learn how to check your credit score in the RBC app or online banking. Discover what shows up in your report, and how it all ties to your financial health.
The RBC Mobile App puts your credit score in your pocket. If you already use it to check your bank account, send an e-Transfer, or pay off your credit card, you're halfway there.
Checking your credit score takes less than a minute. It's free and it won’t affect your score. It uses TransUnion CreditView to give you real-time insight into your credit history.
You need:
If you’re new to mobile banking, RBC has tutorials (opens in a new window) that walk you through the basics.
Once enrolled, you’ll get:
Some tasks feel better on a bigger screen. Reviewing your full credit report is one of them.
If you log into RBC Online Banking, you can see your credit score alongside the rest of your finances. This includes your bank account, credit card, RRSP, or TFSA. It’s part of your dashboard. Always there, easy to check at no extra cost.
The desktop version gives you a wide view. You can scan your full credit history, check for old accounts, and download your report if you need to print it. It can be for a mortgage pre-approval, a car loan, or an application with new lenders.
It’s useful if you track your payment history. You can compare scores over time or manage lines of credit, student loans, or personal loans across savings accounts.
Your score comes from TransUnion, which is updated often. Checking it won’t lower your score or trigger alerts at other credit bureaus like Equifax. It’s a Canadian service built into your Royal Bank of Canada banking tools.
Your data is protected by cybersecurity built for online banking clients.
You don’t need to pay; your score won’t change just because you looked at it.
A credit score is a number. But it speaks louder than words. It tells lenders how you manage your money. It helps decide if you’ll get approved for a personal loan, a credit card, or a first home.
Watching it often keeps you ahead of the game and safe from surprises.
Your score reflects your credit history. It includes:
The score comes from TransUnion or Equifax, the major credit bureaus in Canada. Each uses its own formula, but the basics are the same.
A strong credit score shows you pay bills on time and use credit wisely. It helps you qualify for lower interest rates on car loans, lines of credit, or GICs.
If someone opens a bank account, debit card, or credit card in your name, you won’t know unless you look.
By checking your score often, you can spot errors quickly. Unexpected drops can point to fraud, and early action means less damage.
Online tools like RBC Online Banking and the RBC Mobile App give you this protection, without cost or risk to your score.
A consistent review of your score builds self-awareness. It helps you prepare for big moves like applying for a student loan, moving into a new apartment, or making your first TFSA contribution.
Checking your credit score is a smart habit. It gives you insight, protects your future, and helps you move forward, one decision at a time.
If an expense pops up before your payday hits, or you need a quick way to cover rent, bills, or car repairs, My Canada Payday is here to help. You can apply online in minutes. No credit checks, no long forms, fast approval, and funds sent the same day.
It’s simple, secure, and always open.