{"id":46012,"date":"2023-07-26T15:10:15","date_gmt":"2023-07-26T15:10:15","guid":{"rendered":"https:\/\/hardbacon.ca\/non-classifiee\/td-credit-score\/"},"modified":"2023-11-16T15:48:23","modified_gmt":"2023-11-16T20:48:23","slug":"td-credit-score","status":"publish","type":"post","link":"https:\/\/hardbacon.ca\/en\/credit-score\/td-credit-score\/","title":{"rendered":"TD Credit Score: How Canadians Can Get Their Credit Score As TD Clients"},"content":{"rendered":"\n

TD Canada Trust is one of Canada\u2019s big banks with a full range of financial services and products. There are over 1,100 branches across the country with headquarters in Toronto. You can do everyday banking as well as apply for various loans<\/a> and other credit products.<\/p>\n\n\n\n

TD Bank has never offered a free credit score, but they do offer the information you need to get one. The two main credit reporting agencies in Canada are Equifax<\/a> or Transunion<\/a>, but you\u2019ll have to do it yourself. You can go directly through these credit bureaus or you can choose a third party company like Borrowell<\/a> or Credit Karma<\/a>.<\/p>\n\n\n\n

How TD clients can get their free credit score<\/h2>\n\n\n\n

TD Bank doesn\u2019t offer you a free credit score. On their website, they explain how you can access and view your credit history<\/a>. They have the contact information for the main credit bureaus in Canada, Equifax<\/a> and Transunion<\/a>. As a Canadian, you\u2019re entitled to a free credit score every 12 months. It doesn\u2019t negatively impact your credit score<\/a> as they perform a soft credit check<\/a>. You can personally order your credit report by phone, email, or online.<\/p>\n\n\n\n

Banks that give you a free credit score<\/h2>\n\n\n\n

While TD Canada Trust doesn\u2019t offer you a free credit score, other Canadian banks do. This includes BMO<\/a>, RBC<\/a>, CIBC<\/a>, and Scotiabank<\/a>. Not only do they offer free credit scores, they also offer insights into your financial practices. This allows you to see what is hurting your credit score.<\/p>\n\n\n\n

BMO offers you education and a score simulation through their CreditView service. Scotiabank updates your credit score regularly so you can check in to see if it\u2019s improved or not. With CIBC, your credit score is available instantly. Being able to tap into your credit score makes you more conscious of your habits and may help you improve them.<\/p>\n\n\n\n

Verified.Me service<\/h2>\n\n\n\n

Being that TD Canada Trust doesn\u2019t offer you a free credit score, there are other ways you can get it without joining a new bank. Verified.Me not only verifies your ID, you can also get your credit score from their app. If you bank with any of the following Canadian institutions, you can use the service:<\/p>\n\n\n\n

TD Canada Trust
BMO
Desjardins
RBC
Scotiabank<\/p>\n\n\n\n

The credit check is through Equifax where they help verify your digital identity. They do this by using personal information you consented to share for trusted connections. This includes your bank. You\u2019ll have moment to moment access to services like a free credit report from Equifax. You have to consent to the information being shared but rest assured, banking information like your account balance, login information, and transactions are never shared.<\/p>\n\n\n\n

The credit score through Verified.Me<\/a> is going to be automatically updated every 30 days. You can take a look at your score whenever you like. That is what people want today: easy access to information at any time of day.<\/p>\n\n\n\n

How to get your credit score through Verified.Me<\/h2>\n\n\n\n