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How to Check Your Credit Score with CIBC: Online, Mobile, and Customer Service

Knowing your credit score is essential for managing your financial health. This numerical score directly impacts your ability to get a loan, credit card, or mortgage. Here are three avenues for accessing your credit score through the Canadian Imperial Bank of Commerce (CIBC): Online Banking, Mobile App, and Customer Service.

Online Banking

One of the most convenient ways to check your credit score is through CIBC's online banking platform. Here, let me guide you step by step:

1. Go to the official CIBC website.
2. On the homepage, click on the "Sign On" button at the upper right corner of the page.
3. Enter your card number and password and then click "Sign On".
4. Once you've accessed your online account, navigate to the "Credit Score Service" under the "Manage My Account" section.
5. Here, you can view your credit score, credit report, and a twelve-month history of your credit score.

Remember that the “Credit Score Service” allows you to monitor your credit score for free without impacting it!

Mobile App

CIBC's Mobile Banking App is another straightforward method to check your credit score. It offers the same functions as the online platform but with the convenience of being at your fingertips:

1. Download and launch the CIBC Mobile Banking App, which is available on both Apple and Google Play stores.
2. Then, log in using your card number and password.
3. Once you're signed in, tap on the "More" icon located at the bottom right corner of your screen.
4. Scroll down and select "Check Credit Score".
5. Your credit score will be displayed instantly, alongside additional information such as credit usage and a credit score history chart.

Checking your credit score through the mobile app gives you the possibility to monitor your score anywhere, at any time.

Customer Service

If you aren't comfortable with digital platforms or want more personalized service, CIBC's customer service is a valuable resource:

1. Dial CIBC's customer service line at 1-800-465-2422.
2. After English or French instruction selection, choose the appropriate options to speak to customer service representatives.
3. Explain that you wish to know your credit score. They will authenticate your identity before proceeding.
4. Your credit score will be relayed to you over the phone, and any questions you have regarding your credit will be answered.

Contacting CIBC's customer service is a great resource for obtaining comprehensive answers and personalized advice on managing your credit score.

In conclusion, whether you opt for online banking, the mobile app, or personalized customer service, CIBC offers comprehensive means to access and understand your credit score. By regularly checking your credit score, you will be in a better position to make informed financial decisions.