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Thread: Credit Report (FREE?)
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Wed, Dec 21st, 2011, 02:45 PM #1
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Wed, Dec 21st, 2011, 03:04 PM #2
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For the free report (basic) one time per year:
http://www.equifax.com/ecm/canada/EFXCreditReportRequestForm.pdf
From the main page: http://www.consumer.equifax.ca/home/en_ca
http://www.transunion.ca/ca/personal/creditreport/consumerdisclosure_en.page
In-person office locations: http://www.transunion.ca/sites/ca/personal/consumersupport/contactus_en.pageLast edited by Ciel; Wed, Dec 21st, 2011 at 03:06 PM.
2021-Bring on the sunshine, sweets & online shopping.
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Wed, Dec 21st, 2011, 04:12 PM #3
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
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Wed, Dec 21st, 2011, 04:23 PM #4
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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 )
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Wed, Dec 21st, 2011, 04:35 PM #5
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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.
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Wed, Dec 21st, 2011, 05:21 PM #6
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If the report is good, than don't worry about the score... (its just a number)
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Wed, Dec 21st, 2011, 07:10 PM #7
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Also, some reports go further back than others, which others (other than equifax) are there to get reports from? (free if possible lol)
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Wed, Dec 21st, 2011, 07:30 PM #8
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.
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Wed, Dec 21st, 2011, 07:35 PM #9
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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.
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Thu, Dec 22nd, 2011, 12:44 AM #10
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
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Thu, Dec 22nd, 2011, 01:02 AM #11
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
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Thu, Dec 22nd, 2011, 08:45 AM #12
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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.
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Thu, Dec 22nd, 2011, 11:19 AM #13
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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?
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Thu, Dec 22nd, 2011, 11:25 AM #14
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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.
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Thu, Dec 22nd, 2011, 11:35 AM #15
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