User Tag List

Results 1 to 15 of 15
  1. #1
    Smart Canuck LauraWill's Avatar
    Join Date
    May 2011
    Location
    Couponville
    Posts
    1,966
    Likes Received
    343
    Trading Score
    412 (100%)



    0
    I have sent away to Equifax in the past for a free credit report/score.. I am not sure how I got the form to do this but now I cannot find it anywhere.
    This thread is currently associated with: N/A


  2. #2
    Super-walking bean bun! Ciel's Avatar
    Join Date
    Jul 2009
    Location
    Ontario
    Posts
    17,041
    Likes Received
    23328
    Trading Score
    12 (100%)




    Last edited by Ciel; Wed, Dec 21st, 2011 at 03:06 PM.
    2020-Money & Baby Yoda & summertime supply of Gatorade

  3. #3
    Smart Canuck freefreefree's Avatar
    Join Date
    Oct 2011
    Posts
    2,159
    Likes Received
    241
    Trading Score
    0 (0%)



    They don't give you the score, or the number tho. At least that was a couple of years back when I checked with them.
    Free $175 CASH BONUS open Tangerine bank account $50=chequing, $25=savings, $100=savings program use 36121543S1as the'orange key' CAll1-888-826-4374 refer family/friends,$50 to you + $175 to them Earn up to $3,250 Visithttp://www.tangerine.ca/en/referafriend/index.html

  4. #4
    Smart Canuck LauraWill's Avatar
    Join Date
    May 2011
    Location
    Couponville
    Posts
    1,966
    Likes Received
    343
    Trading Score
    412 (100%)



    Oh yes, you are right just the report.

    I remember that now too... Do you know where I can get my score? (free of course )

  5. #5
    Mastermind Natalka's Avatar
    Join Date
    Oct 2008
    Location
    SK
    Posts
    117,646
    Likes Received
    146295
    Trading Score
    29 (100%)




    Laura, we got a full report and score through our credit union. I don't know if you would just have to ask, or do as we did - we went in to discuss finances.

  6. #6
    Financial Advisor ashedfc's Avatar
    Join Date
    Mar 2010
    Location
    GTA
    Posts
    1,207
    Likes Received
    128
    Trading Score
    0 (0%)



    If the report is good, than don't worry about the score... (its just a number)

  7. #7
    Smart Canuck LauraWill's Avatar
    Join Date
    May 2011
    Location
    Couponville
    Posts
    1,966
    Likes Received
    343
    Trading Score
    412 (100%)



    Also, some reports go further back than others, which others (other than equifax) are there to get reports from? (free if possible lol)

  8. #8
    Luv Saving People Money MortgageQueen's Avatar
    Join Date
    Mar 2010
    Posts
    3,405
    Likes Received
    6225
    Trading Score
    0 (0%)




    Quote Originally Posted by Natalka View Post
    Laura, we got a full report and score through our credit union. I don't know if you would just have to ask, or do as we did - we went in to discuss finances.
    Natalka. . . you got your credit score, but by having an institution pull it, it brings your score down and is recorded ON your credit bureau who and when they pulled your bureau.
    That's ok, as long as you were making a serious inquiry. . .but if you're just "shopping around", it's not a good idea.

  9. #9
    Oppi Fjellet Brynhilde's Avatar
    Join Date
    Dec 2011
    Location
    Middle of nowhere, ON
    Posts
    1,276
    Likes Received
    32
    Trading Score
    30 (100%)



    Doesn't that depend on what they went in to the institution to do? From my understanding, if they went to apply for products then the score will go down.. if it is for opening bank accounts and other kinds of things, its just a soft hit which doesn't affect credit scores.

  10. #10
    Luv Saving People Money MortgageQueen's Avatar
    Join Date
    Mar 2010
    Posts
    3,405
    Likes Received
    6225
    Trading Score
    0 (0%)




    Quote Originally Posted by Brynhilde View Post
    Doesn't that depend on what they went in to the institution to do? From my understanding, if they went to apply for products then the score will go down.. if it is for opening bank accounts and other kinds of things, its just a soft hit which doesn't affect credit scores.
    Excellent question. I apologize for not being clearer.
    Sometimes, being in the business I am, I assume everyone is applying for "something".
    It is true, that in certain circumstances, a bankcan pull a "soft" inquiry. However, don't count on that neccesarily. Some do. Some don't.
    Your best bet is to ask directly. Never assume. . like I just did. .
    Thanks for bringing up the question Brynhilde

  11. #11
    Smart Canuck freefreefree's Avatar
    Join Date
    Oct 2011
    Posts
    2,159
    Likes Received
    241
    Trading Score
    0 (0%)



    I never acutally looked at my score. I just looked at my report.
    Free $175 CASH BONUS open Tangerine bank account $50=chequing, $25=savings, $100=savings program use 36121543S1as the'orange key' CAll1-888-826-4374 refer family/friends,$50 to you + $175 to them Earn up to $3,250 Visithttp://www.tangerine.ca/en/referafriend/index.html

  12. #12
    Oppi Fjellet Brynhilde's Avatar
    Join Date
    Dec 2011
    Location
    Middle of nowhere, ON
    Posts
    1,276
    Likes Received
    32
    Trading Score
    30 (100%)



    I personally always look at the score then the report. If I look at the score and find it unusual, I'll look at the report after to see if there are errors such as companies not reporting payments that were made on time, the correct amount of the payment, etc,. You'd think it wouldn't happen but it happens all the time to people.

  13. #13
    Smart Canuck LauraWill's Avatar
    Join Date
    May 2011
    Location
    Couponville
    Posts
    1,966
    Likes Received
    343
    Trading Score
    412 (100%)



    I am very interested in what my score is, I just got a mortgage which has effected my credit and I want to know where I stand... Again, does anyone know a good site to find this on?

  14. #14
    Oppi Fjellet Brynhilde's Avatar
    Join Date
    Dec 2011
    Location
    Middle of nowhere, ON
    Posts
    1,276
    Likes Received
    32
    Trading Score
    30 (100%)



    It will cost you to find out your actual score. There are websites that will charge about $30 a month for you to get your monthly report.

  15. #15
    Junior Canuck
    Join Date
    Jun 2011
    Location
    London, sometimes west of London.
    Posts
    438
    Likes Received
    0
    Trading Score
    1 (100%)



    Quote Originally Posted by LauraWill View Post
    I am very interested in what my score is, I just got a mortgage which has effected my credit and I want to know where I stand... Again, does anyone know a good site to find this on?

    Mortgages should not affect your credit score - completing multiple applications to obtain a mortgage will, but the act of having a mortgage itself will not.

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •