Personal Finance

RBC 'View your credit score' option via Trans Union

  • Last Updated:
  • Jan 26th, 2018 10:43 pm
Jr. Member
Aug 27, 2014
132 posts
28 upvotes
coolintheshade wrote:
Oct 13th, 2017 8:38 am
They are unable to match your information to a credit file, which means your file is more than likely riddled with errors, missing information etc...
You need to reach out to TransUnion and get this fixed up.
Did you by any chance try Credit Karma?
Credit Karma says it doesn't support Quebec.

I should probably give TransUnion a call. It's very possible that TransUnion has my wrong birthdate, given that this was the case with Equifax 10 years ago, and it may be because someone who may be me lied on an online form to get their first credit card at 17 (that person likely wanted to make online purchases and has never paid a cent of credit card interest).

I've checked my Equifax file a couple months ago through their free trial and everything is fine, and I've churned a couple of credit cards since, I have a mortgage, I have a car loan, I never had issues getting approved for any credit. So I'm under the impression that TransUnion doesn't matter at all in Quebec.
Newbie
User avatar
Oct 24, 2017
1 posts
Toronto, ON
My credit score has gone down by about 40 points from what it was last month. There were no hard inquiries, missed payments or any suspicious activities between the two times(last month and now). When I called TU, the rep. said to wait till the next update to see if it auto-corrects itself Confused Face - as he has no clue why would the score drop when everything looks normal.

And the reason TU had on the dashboard to justify the score drop isn't too convincing - something about insufficient info. on my mortgage. I wonder, if TU docks points if you are a freebie coming from RBC? Face With Stuck-out Tongue And Tightly-closed Eyes
Newbie
Oct 24, 2017
2 posts
I have the very same problem, it's been getting temporary error after birthday mismatch for 2 months now, have called rbc and transunion everything is perfect and matching, Can't figure out why it's not working, no support, if you find a way to get this problem solved can you please let me know. Thanks.
Newbie
Oct 24, 2017
2 posts
Well I think I have it sorted, after calling TransUnion again, the right number (1-855-889-4157) I was told that because I updated my birthdate and other outdated and incorrect info on my credit file months ago and most recently disputed a payment that was missing when it was paid, that's why the RBC credit dashboard isn't working for me, between those things its still updating and should work on November 8th I was told. so well see hopefully it will start working by then, i am now getting a different error message now issue with your membership so something got done, If not I will update. So after calling back and forth between RBC and TransUnion being told mostly it was the other side that had the problem I would suggest calling the TransUnion number posted here for support for RBC credit dash. Since I had such a hard time getting any information about these problems, I decided to share it so other people hopefully wont have such a hard time. Thanks.
Newbie
Dec 1, 2016
37 posts
7 upvotes
TU: 627 Credit Karma (stays like that for at least 6 months now LOL) vs 708 RBC
EQ: 653 Ratehub vs 653 Borrowell

TU needs some damn consistency!
Deal Addict
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Aug 24, 2016
4440 posts
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Masik69 wrote:
Nov 25th, 2017 9:48 pm
TU: 627 Credit Karma (stays like that for at least 6 months now LOL) vs 708 RBC
EQ: 653 Ratehub vs 653 Borrowell

TU needs some damn consistency!
RateHub and Borrowell give you the exact same score, Equifax ERS 2.0. Same algorithm = same score.
Credit Karma gives you TransUnion TransRisk Score, and RBC gives you TransUnion Credit Vision Risk Score. Two different scoring algorithms = two different scores.
Sr. Member
Dec 17, 2012
878 posts
204 upvotes
Winnipeg
Thanks just logged in and shows me 872 score until end of As of 12/15/2017. Based on Credit Vision Risk Score. Next update available on 01/14/2018.
Deal Addict
Oct 13, 2006
1704 posts
291 upvotes
Burnaby
Mine hasnt worked since day 1 when the link appeared on my RBC dashboard. I sent in the TransUnion Investigation Request Form and requested that they update my personal information which included changing my current postal code, previous address and current employer. All they did was change my current employer and sent me back a copy of my file. Guess I will have to send in another form and get TransUnion to update again.
Deal Addict
Oct 7, 2007
3837 posts
1135 upvotes
wra45mon wrote:
Jun 16th, 2017 2:53 pm
There seems to be new option to access CreditView from trans Union via rbc banking.

It provides access to your credit score.

UPDATE: go to home page of RBC banking.
On the right side under the My Services section there is link View Your Credit Score
Does anyone know if this is possible if you have an RBC credit card but NOT an RBC bank account? I don't have an RBC bank account and am curious to know if this credit score information to me.
Deal Fanatic
Oct 26, 2008
5518 posts
1234 upvotes
BC
choclover wrote:
Dec 17th, 2017 11:42 am
Does anyone know if this is possible if you have an RBC credit card but NOT an RBC bank account? I don't have an RBC bank account and am curious to know if this credit score information to me.
Yes, it does work for a CC-only customer. Just sign on as though you were going to pay your bill and look for the link on the right of the screen.
Deal Addict
Oct 7, 2007
3837 posts
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macnut wrote:
Dec 17th, 2017 11:51 am
Yes, it does work for a CC-only customer. Just sign on as though you were going to pay your bill and look for the link on the right of the screen.
I finally got myself set up to sign in to my RBC credit card account online and when I got in, I saw the "credit score" link but when I clicked on it, it just said "coming soon". So I was kind of disappointed that it wasn't there for me but also kind of surprised that other people are getting this info. Oh well, I guess it was worth a try.
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Mar 23, 2008
6947 posts
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Edmonton
choclover wrote:
Dec 18th, 2017 11:04 am
I finally got myself set up to sign in to my RBC credit card account online and when I got in, I saw the "credit score" link but when I clicked on it, it just said "coming soon". So I was kind of disappointed that it wasn't there for me but also kind of surprised that other people are getting this info. Oh well, I guess it was worth a try.
You can get your Transunion information from Credit Karma for free, so you're not missing out on much.

C
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Aug 24, 2016
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CNeufeld wrote:
Dec 18th, 2017 12:17 pm
You can get your Transunion information from Credit Karma for free, so you're not missing out on much.

C
RBC shows a different TransUnion score than CK though.
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Mar 23, 2008
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Edmonton
coolintheshade wrote:
Dec 18th, 2017 8:49 pm
RBC shows a different TransUnion score than CK though.
And both of those are different than what the banks and other lenders see when they pull your credit report. What’s your point? You can still see what accounts and credit pulls Transunion is reporting on you, even though you don’t know the precise score.

C

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