Credit Score FAQs

1. What is a credit score?

A credit score (sometimes called a credit rating) is a three digit number that is drawn from information provided on your credit report. A higher credit score typically implies better credit worthiness (which can positively influence your eligibility for a loan and possibly reduce your borrowing costs).Your credit score is one of the factors that lenders take into consideration when reviewing a credit application.

2. How is a credit score calculated?

There are many different models used to calculate a credit score. Your credit score is influenced by your payment history, experience with debt and how often you apply for credit. Generally, the higher your score, the more likely it is you will be approved for credit.

3. Does credit bureau monitoring affect my credit score?

No, credit bureau monitoring does not affect your credit score. Since you are accessing your own reports through the monitoring service, the resulting inquiry will be shown only to you and no one else. You can feel confident that the credit bureau monitoring service will monitor your credit file without any negative effect to your credit rating.

4. I just signed up for CreditDefend, but how come I don’t see my credit score?

If you do not see your credit score, it is likely that you have not yet passed authentication. Please log in to confirm whether your authentication was successful. If it was not successful, verify your personal information and attempt to authenticate again. If you continue to experience difficulty, please contact the CreditDefend Service Centre at

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