Checking your credit score

[marchBB]

In Canada, you can obtain your credit report from either Equifax or TransUnion.
Are there major differences between these two credit bureaus and does anyone have any tips/advice on checking your credit score?

Thanks!

[Natalka]

I think they are the same, though we've only used Equifax.

[MortgageQueen]

They're not quite the same. Transunion's usually a bit more thorough.

[tjthemanto]

In Canada, you can obtain your credit report from either Equifax or TransUnion.
Are there major differences between these two credit bureaus and does anyone have any tips/advice on checking your credit score?

Thanks!

Both Equifax & TransUnion try to rip of the consumers by trying to charge them a fee for requesting or checking their own credit .

You can get a basic Credit report from them for FREE if you want ..It might not have your credit score in it but the FREE report is still pretty detailed & more than enough

So If you don't want to pay follow the links below ..ofcourse if you want to pay they have different products available between $ 15 to $ 25 to get it instantly online as opposed to the FREE basic report you get in mail

TransUnion : ( Free Report )

http://www.transunion.ca/ca/personal...losure_en.page

Equifax : ( Free Report )

http://www.equifax.com/home/en_ca

Click on free credit file below

Other Credit Services


You can receive a free credit file disclosure from Equifax Canada Inc. via Canada Post

• How can I correct an inaccuracy in my Equifax credit report?

[jayne_a]

I recently had my credit score checked at a bank, was sad to see my score so low. I sent away all the required info to Equifax,and they sent me pages of stuff on my credit, it was very detailed. but when i was reading it i found a number of errors on it. I called the number and talked to a very friendly customer service lady, who answered all my questions and fixed the errors, all in 5 mins. I was very happy, and it was quick. they are also sending me a revised report with all the errors fixed. The only that sucks is that i have to do it all over again with Transunion. As equifax wont share that info with them.

[MortgageQueen]

I'm glad it worked out so well for you Jayne. It's wise to check your bureau a couple times a year for errors like those and also for identity theft.
Also it's good to keep in mind to avoid excessive applications for credit. Every time your credit is checked by a company, your rating drops.