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You use your TD Bank app to check balances or send an Interac transfer. You might not know that you can also check your credit score for free. It won’t hurt your score. It won’t alert credit bureaus like Equifax. And it takes less time than finding your debit card.
Knowing your score gives you insight before applying for a loan or opening a new credit card. It helps spot issues early and is a simple step toward better personal finance.
In this guide, you’ll learn how to check your TD credit score through the mobile app or EasyWeb, what shows up on your credit report, and why it matters.
You won’t need to leave the house or call your financial institution. Using the TD Bank app, you can check your TD credit score from your phone. You get a free credit report and updates weekly. Plus, it won’t impact your score.
Your score is pulled from TransUnion and is available to most Canadian users.
If your score isn’t showing or you see an error, contact TransUnion directly. Their support number is 1-888-752-9182.
This isn’t the same as a lender check. Viewing your own score is a soft inquiry. It won’t show up on reports seen by lenders or affect your chances of approval.
This is a tool for credit monitoring. No fees or alerts are sent to credit bureaus like Equifax Canada or CIBC. You just get a clear view of your situation.
Once you’re in, the CreditView dashboard gives you a complete snapshot of your credit health.
Right at the top, you’ll see a 3-digit score. Next is a label, like Good, Very Good, or Excellent. This is your TransUnion credit score, unlike one from Equifax or apps like Borrowell or Credit Karma.
A good credit score can help you get approved for a credit card, TD Direct Investing account, or better interest rates on a loan. Lenders look at this number before they say yes.
Below the score is a graph showing how your credit score has changed over the past two years. You'll see it if your number has gone up or down.
This helps you track patterns, missed payments, new credit, or paying down a bank account balance. It’s your credit history in motion.
You’ll also see how your score compares to the Canadian average. This context helps you understand if you’re ahead, behind, or right in the middle. Know where you stand, especially if you’re in Toronto, Quebec, or any other part of Canada.
One of the dashboard's most helpful tools is the score simulator, which lets you test “what-if” scenarios.
What happens if you pay off a credit card? What if you open new online banking products or miss a payment?
This tool doesn’t change your score. It just shows how specific actions could affect it.
Your credit score lives on a scale from 300 to 900. Higher is better. But you don’t need a perfect number to be in a strong place.
Most Canadian lenders see 660 or higher as a green light. That means you’ll likely be approved for a credit card, personal loan, or line of credit. Lower scores can still qualify, but you may get a higher interest rate or need to provide extra info.
Here’s how credit bureaus like TransUnion and Equifax Canada generally break it down:
You’ll see these labels on platforms like CreditView, Borrowell, Credit Karma, and most mobile banking dashboards, whether you use TD, RBC, BMO, or CIBC.
Your number isn’t random. It’s based on how you manage credit over time. Here are the main pieces that shape your credit report:
Credit reporting agencies pull these details to build your full profile.
A strong score gives you options. It can lower your TD Direct Investing loan rate and help you qualify for payday loans when needed. It gives you confidence when applying. You'll know where you stand once you check your credit score.
Knowing your credit score is smart. It helps you plan better. But sometimes, knowing the number isn’t enough, especially when you need money now.
If you’re short on rent, behind on a bill, or need to cover a sudden cost, you can apply online in minutes. You won’t need a perfect score.
Get fast approval, no credit check, and same-day deposit, all from a lender trusted by thousands across Canada.