FAQ – AccèsD – Credit score

It's a free tool that lets you check your credit information, like your credit report and credit score (calculated by TransUnion), which will help you evaluate your creditworthiness.

A credit score represents a person's creditworthiness. TransUnion calculates your credit score with information in your credit report, such as your bill payment history, account history, available credit and recent credit activity.

Credit scores, credit ratings and risk scores are all similar ideas and used similarly by various financial organizations.

A credit report is a snapshot of your financial history that may be shared with potential lenders.

Your credit report is available on your CreditView^™ Dashboard.

Desjardins members can log in to AccèsD to see their dashboard. Click More options in the right-hand menu (Web version) or More (mobile app). Then, click Credit score.

No, both are free.

The Score Simulator is a tool you can use to estimate your solvency when you change one of the variables used to calculate your credit score. It helps you evaluate your borrowing capacity and better plan your purchases by measuring how a purchase would affect your credit score.

The Score Simulator is a tool you can use to plan your future events—like a new home, car or credit card.

It shows you what has an impact on your credit report and how your credit score and borrowing capacity could change.

It's a good way to see exactly what affects your credit report.

Your credit information is updated every month to give you a realistic simulation of your credit score. To find out when the next update is scheduled, go to your dashboard home screen and look under your credit score.

Your activity isn't saved when you use the dashboard or simulator. That means the real data used to calculate your credit score isn't affected. The dashboard is for information purposes only and is meant to help you make informed decisions.

TransUnion aims to ensure that the information on your report is accurate. If you see an error, you can make a phone call or send an email to request an investigation.

By phone

Contact TransUnion customer service. Make sure you have all the required information on hand:

• Your full name
• Your social insurance number (optional) or your primary credit card number
• Your birthdate
• Your current address
• Your previous address (if you've lived at your current address for less than 2 years)
• Company name of the disputed item
• The reason for your dispute (e.g., you've already paid the account)

By mail

Fill out the Investigation Request Form on the Credit Dispute page. The TransUnion mailing information is at the bottom of the page.

For any question or to file a dispute, contact TransUnion.

Click the Logout icon in the upper-right corner.

There are 2 credit bureaus in Canada: TransUnion and Equifax. Generally, each credit bureau calculates your credit score using different information so it’s possible your score may differ from one to another.

If this is the case, contact TransUnion or Equifax to find out what variables they each use for their calculations.