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Credit score

See how to check your credit report and score on AccèsD—and learn why it's a good idea.

Your online credit report

Credit bureaus collect and document information about your history the very first time you apply for credit. Your credit report reflects your financial behaviour and your ability to meet your financial commitments. On AccèsD, you can check your information with TransUnionTM and Equifax®.

Access to your credit report with Canada's 2 credit bureaus

A free, secure service that's available at all times

Dashboard access with no impact on your credit score

Keep an eye on your information

We recommend that you check your credit report regularly and that you make updates or corrections as needed.

Making corrections to your credit report

The information in your credit report is compiled by the credit bureaus. We can't make changes to it unless the information was originally provided by us. If you're unsure, contact us at 1-800-224-7737 Phone number for AccèsD customer service. This link opens your phone app. (1-800-CAISSES) to confirm your information or to make changes as needed.

Here’s how to make corrections to an account or to information that hasn’t been provided by our institution:

Correct an account: Contact the lender (service provider, financial institution, etc.) to make changes to an existing account.

Correct information: You can submit a dispute if you believe the information on your credit report is inaccurate.

Good to know

Your credit score information on AccèsD is for educational purposes only. Check with your credit bureau for the most up-to-date information.

Check your credit report

Your report is available at all times on AccèsD under Credit report.


Why does the information in my report differ from one credit bureau to another?

Your reports may appear different for a number of reasons, including:

  • TransUnion and Equifax reports on AccèsD aren't updated at the same time.
  • Lenders don't always share your information with both credit bureaus.
  • Lenders may have shared your information with credit bureaus at different points in time.
Why do the credit bureaus show different scores?

Credit bureaus calculate your credit score using their own mathematical formulas, along with information they receive from lenders. Because TransUnion and Equifax aren't using the same formulas, it makes sense the scores are different.

How often is my credit report updated?

TransUnion updates its reports on AccèsD once a month, while Equifax updates daily.

Why is it important to correct inaccuracies on my credit report?

Before approving you for a loan or credit card, financial institutions generally check your credit report to analyze how you use credit. If the information on your report is inaccurate or incomplete, they may turn down your application—or even charge you too high an interest rate.

The information displayed in your credit report is for information purposes only and does not constitute financial advice. Desjardins does not have access to this information and it should not be interpreted as credit approval. Desjardins is not responsible for the accuracy of the information in your credit report, or for any decisions made based on this information.

The information provided by the TransUnion CreditView Dashboard is for information purposes only and does not constitute financial advice. Desjardins does not check this information and it should not be interpreted as credit approval. Desjardins is not responsible for decisions based on the information in the CreditView Dashboard.

The Equifax Credit Score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. This score has been provided for your own educational use. Third parties will take into consideration other information in addition to a credit score when evaluating your creditworthiness.

TransUnion TM is a trademark of TransUnion Interactive Inc.  Equifax ® is a registered trademark of Equifax Canada Co. Used under licence.