Desjardins is one of the largest financial cooperatives in North America.
If you are a client, you can check your Desjardins credit score by simply accessing your online account on a computer or smartphone.
The credit score you view on your AccèsD dashboard is from TransUnion, one of Canada’s two main credit bureaus.
Desjardins is one of many Canadian financial institutions that now offer free credit scores and reports.
Read on to learn how to access your credit scores in just a few clicks.
How To Check Your Desjardins Credit Score
If you have a Desjardins account, sign in to AccèsD to see your dashboard.
Click on “More Options” in the menu on the right-hand or on “More” if you are on the mobile app.
Click on credit score to view your TransUnion credit score.
You can also view your credit report using the TransUnion CreditView dashboard.
This service is free and is available to all Desjardins customers.
If you are interested in projecting or estimating how your credit score will respond to certain actions (such as increasing your credit limit), you can play around with the Score Simulator.
Desjardins Credit Score Check
Your account score is a three-digit number ranging from 300 to 900. The higher your score, the higher your chances of qualifying for credit.
Credit scores measure your creditworthiness, and banks use them to assess whether you have been responsible with paying off your debts.
When you check your credit score via Desjardins, it is considered a “soft inquiry” and does not impact your score.
If you apply for a Desjardins credit card and they pull your credit history, this is considered a “hard inquiry”.
Hard inquiries can lower your credit score by a few points.
Desjardins TransUnion Credit Report
Your credit report shows your credit history over the years, including the accounts you have opened, credit limits, payment history, employment history, and public information such as bankruptcies, judgements, and collections.
The information in your TransUnion credit report is used to calculate your credit score.
You can also get a copy of your Consumer Disclosure or credit report directly by contacting TransUnion.
How To Increase Your Desjardins Credit Score
To increase your credit score:
- Pay your bills on time
- Limit your credit applications
- Use only a small portion of your credit limit, i.e. 30% or less
- Check your credit report for errors and dispute errors when you notice them
- Keep old credit cards active
Free Credit Score Check in Canada
Desjardins only provides your TransUnion credit score. If you want to view your Equifax credit score, you can use these services:
Borrowell offers access to your free Equifax credit score on a weekly basis. This service has been around since 2016 and has served 2+ million Canadians.
Loans Canada offers a free Equifax credit score check via its platform. In addition, you can use the platform to compare various types of loan products.
Desjardins Credit Score FAQs
Desjardins credit score is from TransUnion.
The TransUnion credit score you can view on your Desjardins AccèsD dashboard is updated once a month.
No, checking your own credit score does not affect it.
To qualify for a Desjardins credit card or loan, you will generally need a good credit score of 700 or higher.