Managing Credit

Access to credit is important. From renting a car, to having funds in an emergency, to qualifying for a mortgage, credit is often used as an essential part of our day-to-day living and expenses.

Your credit profile and score helps to tell lenders if you are a good credit risk. It can impact your ability to rent an apartment and may even be looked at when you apply for a job or insurance coverage.

As part of your financial outlook, it’s critical that you understand how credit works. This will help you to make better financial decisions that can improve your overall financial well-being, and may help you get the credit you want, when you need it.

Resources for managing and understanding credit

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Scotia Smart Money by Advice+


Get personalized insights, track your spending, create budgets, and more.

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TransUnion® Credit Score


Check your TransUnion® credit score for free and view your credit score history.1

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Scotia InfoAlerts


By selecting both the Payment alerts and Safeguard alerts categories under Scotia InfoAlerts, you’ll be notified of important account activity by email and/or app notifications.

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Avoid missing a credit payment when you set up automatic payments.

Interested in more tips on managing credit?

Advice+ has resources to help you make the most of your money.