Third party apps such as Borrowell, CreditKarma and Mogo all offer access to your score and report for free. The major banks—including RBC, Scotiabank and BMO—also allow access to TransUnion scores for free from within their online banking platforms. Equifax and TransUnion allow limited free access to your report via mail, but charge for instant online access—though TransUnion does make an exception, allowing free instant access to your report just once per year. They both charge a fee to provide your credit score.