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Below are answers to some common questions about credit ratings. If you don't find the answer you are searching for, an RBC Royal Bank® credit specialist would be happy to answer your questions.

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Expand What is a credit bureau?

Expand What is a credit history?

Expand How can I establish a good credit history?

Expand How long does information stay on my credit report/history?

Expand What is a credit report and what information does it contain?

Expand Who can see my credit report?

Expand How does a lender determine my credit rating?

Expand Can a good rating lower my interest rate?

Expand Will a major life event affect my credit rating?

Expand How can I be sure my credit history is accurate?

Expand What should I do if there's an error on my credit file?

Expand What is a "personal reference"?

Expand How can I improve my credit history?


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For tips and expert advice on managing your credit, call 1-800-769-2511 to talk to a credit specialist.


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Credit Rating Basics

Credit rating basics

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