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Scotiabank Credit Score: Get Your Free Credit Score in Canada

Scotiabank clients can check their credit scores using the bank’s website and mobile app.

Access to a free Scotiabank credit score means you can easily monitor your credit and see whether your efforts at credit building are working.

Scotiabank is not the only financial institution in Canada offering free credit score checks, others include RBC, CIBC, BMO, Borrowell, Credit Karma, and Mogo.

Read on to learn about how it works.

Scotiabank Free Credit Score Check

A credit score is a three-digit number from 300 to 900, representing your creditworthiness.

Lenders use your credit score and report to determine whether you are likely to pay back loans and not default.

Your Scotiabank credit score is obtained from TransUnion using a “soft inquiry” and does not impact your credit rating.

It is updated every 30 days.

If you want to access a free weekly credit score update, you can use Borrowell.

How To Check Your Credit Score on Scotiabank

If you have a Scotiabank personal banking account, you can view your credit score for free using the web or mobile app.

If using Scotiabank’s website, click on “see your credit score” from the menu listed on the right-hand side of your account dashboard.

If using the Scotiabank app, follow these steps:

  1. From the Home screen, click on “My updates”
  2. Click on “TransUnion Credit Score”
  3. Click on “Register” and accept the terms and conditions to view your credit score.

Scotiabank TransUnion Credit Report

Your credit report contains your credit history, accounts, limits, amounts owed, credit inquiries, collections, bankruptcy information, and more.

It is used to calculate your credit score. You can also view your credit report for free using Scotiabank.

From within your Scotiabank credit score page, click on “Credit score report” to view your credit report.

What if you can’t see your credit score and report on Scotiabank? You can call TransUnion directly at 1-844-580-9978 to find out.

Alternatively, you can also get your free credit report here.

Scotiabank Credit Score

Free Credit Score Checks in Canada

If you are not a Scotiabank client or want to see your Equifax credit score, you can use these platforms.


Borrowell has been offering free Equifax credit score checks since 2016.

It takes less than 3 minutes and you do not need to provide your credit card information.

Borrowell also offers a free bill tracking tool and a portal to compare rates for various financial products.

The Equifax score obtained via Borrowell is updated weekly and includes your credit score. Learn more in this review.

Credit Karma

Like Scotiabank, you can use Credit Karma to access your TransUnion credit score and report.

It is updated every 7 days.


Mogo Inc. is a financial technology company with products including loans, crypto, and stock trading platforms, and a prepaid card.

When you sign up for its free prepaid card, you also get access to your free Equifax credit score and identity fraud protection.

Free Credit Report Checks in Canada

If you are not a Scotiabank client, you can easily get your credit report using Borrowell (Equifax) and Credit Karma (TransUnion).

Alternatively, you can contact the credit bureaus directly to get your report:

Equifax: Apply online or call them at 1-800-465-7166.

TransUnion: Apply on their website or call 1-844-580-9978.

About Scotiabank

Scotiabank is the third largest bank in Canada by market capitalization.

It has over 10 million customers and 900 branches.

This bank offers a variety of chequing accounts, loans, credit cards, investments, insurance, savings accounts, and commercial banking products.

Scotiabank Credit Score FAQs

What is a good credit score for Scotiabank?

If your credit score is in the 700-900 range, there is a good chance you could qualify for a Scotiabank credit product.

What credit score does Scotiabank use?

When you apply for a Scotiabank credit card, they pull your Equifax credit report.

Is the Scotiabank credit score accurate?

Yes, Scotiabank’s credit score is accurate and based on TransUnion’s scoring models. It may be different from your Equifax credit score.

Does checking your Scotiabank credit score affect it?

No, checking your credit score on Scotiabank does not affect it as this is a “soft” inquiry.

How do I increase my Scotiabank credit score?

You can increase your credit score by paying your bills on time, using less than 35% of your credit limit, keeping your old credit accounts open, and limiting your new credit applications.


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Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch is passionate about helping others win with their finances and has been writing about money matters for over a decade. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, CBC News, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, and many other personal finance publications. You can learn more about him on the About Page.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

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