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Personal Banking Personal Banking. Just think outside of the credit card box, or consider a secured credit card. Accept an increase on your credit limit Improving your debt utilization ratio is one of the fastest ways to build up your credit; you could even see your score go up 30 to 50 points in a month! To access your TransUnion Credit Score, Scotiabank will share your personal information such as name, address and date of birth with TransUnion so that TransUnion can identify you and provide your Credit Score.