If you’ve ever wondered how to check your credit score with the Royal Bank of Canada (RBC), you’re not alone. Many Canadians are curious about their credit health but aren’t sure where to start.

Your credit score plays a crucial role in your financial life—it can impact your ability to get a mortgage, secure a car loan, or even rent an apartment. So, knowing where you stand is essential.

In this post, I’ll walk you through how to check your credit score with RBC in the simplest way possible. I’ll also share why your credit score matters, what affects it, and how to improve it over time. If you’re ready to take control of your financial future, keep reading!

Why Checking Your Credit Score is Important

Meet Lana—one of my friends. She’s a 29-year-old IT professional living in Toronto. Lana has always been responsible with her money, but she never really paid attention to her credit score. That changed when she applied for a credit card with a higher limit—and got denied. Confused, she realized it was time to check her credit score.

Like Lana, many Canadians only think about their credit score when they need a loan or credit card. But checking it regularly can help you:

• Spot errors early – Mistakes on your credit report can lower your score unfairly.
• Prevent identity theft – Unauthorized accounts or inquiries could be a sign of fraud.
• Understand what lenders see – Knowing your score helps you make informed financial decisions.
• Improve your credit health – If your score isn’t where you want it to be, you can take steps to boost it.

Now, let’s dive into how to check your credit score with RBC.

How to Check Your Credit Score with RBC (Step-by-Step Guide)

I’ve been banking with RBC for years, but just like Lana, I never paid much attention to my credit score—until I learned that it’s one of the most important measures of my financial health.

The good news? Checking your credit score with RBC is easier than you might think. If you’re an RBC customer, you can access it for free through RBC Online Banking or the RBC Mobile app. Here’s how:

1. Log in to RBC Online Banking

• Visit www.rbcroyalbank.com and sign in with your credentials.
• If you don’t have an online banking account, you’ll need to register first.

2. Navigate to the Credit Score Section

• Once logged in, go to ‘My Accounts,’ then ‘Accounts Summary.’ Scroll down to the ‘Account Management’ section, where you’ll find ‘View Your Credit Score.’
• RBC partners with TransUnion to provide your credit score.

3. Accept the Terms and Conditions

• The first time you check your credit score with RBC, you’ll need to agree to TransUnion’s terms.
• Don’t worry—checking your score this way is a soft inquiry, meaning it won’t affect your credit.

4. View Your Credit Score

• After accepting the terms, your credit score will be displayed.
• RBC updates your credit score once a month, so check back regularly for changes.

5. Check Your Credit Score on the RBC Mobile App

Prefer using your phone? Here’s how to check your credit score with RBC using their mobile app:

• Open the RBC Mobile app and sign in.
• Tap on “More” at the bottom of the screen.
• Select “Credit Score” under “Services.”
• Accept the terms if prompted, and your score will be displayed.

That’s it! In just a few clicks, you can access your credit score anytime, anywhere.

What Your Credit Score Means

Once you’ve checked your credit score with RBC, you might be wondering: What does this number actually mean?

Here’s a breakdown of credit score ranges in Canada:

• 300-579: Poor Credit – This range indicates significant financial issues, such as missed payments or high debt levels.
• 580-669: Fair Credit – This range suggests some credit issues, though you may still be able to obtain credit, likely with higher interest rates.
• 670-739: Good Credit – This range reflects a solid credit history, and you are likely to be approved for credit with favorable terms.
• 740-799: Very Good Credit – This range demonstrates strong credit management, giving you access to the best credit offers and interest rates.
• 800-850: Excellent Credit – This range represents excellent credit management and typically results in the most favorable terms and rates.

Lana, for example, was surprised to see her score was 630—not terrible, but not great either. She realized she had a few missed payments and a high credit utilization ratio, both of which were dragging her score down.

Related content:

• How Bad is a 560 Credit Score and How to Improve?
• A 760 Credit Score: Good Enough? 7 Proven Tips to Boost It

What Affects Your Credit Score?

Lana wanted to improve her credit score, so she researched what impacts it. Here’s what she found:

1. Payment History (35%) – On-time payments boost your score; missed payments hurt it.
2. Credit Utilization (30%) – Using too much of your available credit can lower your score.
3. Credit History Length (15%) – Older accounts show lenders you have experience managing credit.
4. Credit Mix (10%) – Having different types of credit (credit cards, loans, mortgage etc.) can help.
5. New Inquiries (10%) – Too many hard inquiries in a short time can reduce your score.

Armed with this knowledge, Lana made a plan to boost her credit score over the next year.

How to Improve Your Credit Score

If you check your credit score with RBC and it’s lower than you’d like, don’t worry—you can improve it! Here’s how:

1. Pay Your Bills on Time

Set up automatic payments for credit cards, loans, and utilities to avoid missed payments.

2. Keep Credit Utilization Low

Try to use less than 30% of your available credit limit. If you have a $20,000 limit, keep your balance below $6,000.

3. Avoid Too Many Hard Inquiries

Only apply for new credit when necessary. Each application can temporarily lower your score.

4. Don’t Close Old Accounts

Even if you don’t use an old credit card, keeping it open can help maintain your credit history length.

5. Check Your Credit Report for Errors

Mistakes happen! You can request a free credit report from Equifax Canada and TransUnion Canada once a year to spot errors and dispute any inaccuracies.

Final Thoughts

Now that you know how to check your credit score with RBC, you can take charge of your financial health like Lana did. Checking your credit score regularly helps you stay informed, catch errors, and work towards improving it. Whether you’re planning to buy a home, finance a car, or just want peace of mind, monitoring your credit score is a smart move.

Have you checked your credit score with RBC yet? If not, log in today and take the first step toward better financial health!