yes, there are 2 cras in Canada and 3 main credit reporting agencies here. The scores are different and the info remains on history for different amounts of time. Also there are various reasons in...
Depends what part of RBC. On this homepage:
http://www.rbccm.com/
"RBC maintains one of the highest credit ratings of any financial institution – Moody’s Aaa, Standard & Poor’s AA-"