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Thread: Understanding Your Credit Report & Credit Score- Very Good Info :)

  1. #1
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    Very Nice and Easy to Understand information regarding your credit score, report and history

    http://www.fcac-acfc.gc.ca/Eng/resou...Report_eng.pdf

    Once a year I order my FREE credit history report from Equifax and Transunion. The FREE one is more than enough for me, its pretty detailed.

    The paid one has a credit score in it, but I don't really need it..the info on the FREE one from Equifax and Transunion is good enough for me
    This thread is currently associated with: N/A
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    Thank you.

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    Free credit reports , don't pay for it.


    Both Equifax and Transunion have automated phone systems.

    They ask you a few questions, and then your FREE credit report is mailed to you.


    Here are the numbers:


    Equifax Canada Inc. 1 800 465 7166


    Trans Union of Canada 1 800 663 9980

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    Great info, thank you for sharing! I suggest to you all that you also closely monitor your bank accounts at least once per week. This way you can head off any potential account discrepancies and have that added piece of mind when it comes to your credit rating--view it as one more step in being proactive in addition to monitoring your credit score. Also, check out the phone apps that many banks are now offering--this is a great way to stay connected and informed!

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    Quote Originally Posted by Livelyone View Post
    Great info, thank you for sharing! I suggest to you all that you also closely monitor your bank accounts at least once per week. This way you can head off any potential account discrepancies and have that added piece of mind when it comes to your credit rating--view it as one more step in being proactive in addition to monitoring your credit score. Also, check out the phone apps that many banks are now offering--this is a great way to stay connected and informed!
    Yup , I usually monitor my bank accounts and Credit card account once every 10 days or so

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    Home Depot breach and Target Breach ..be proactive about it.
    Ciel and emma008 like this.

  7. #7
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    There's a new Target breach? Or is this an ongoing issue from earlier this year? Saw mention of the Home Depot one.
    2020-Money & *baby Yoda*

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    Quote Originally Posted by Ciel View Post
    There's a new Target breach? Or is this an ongoing issue from earlier this year? Saw mention of the Home Depot one.
    Just the old one , from earlier year.

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    Credit score plays a crucial role in determining whether an individual is eligible for a loan. Credit reporting agencies track how an individual manages his debts and prepare a credit report based on their analysis. You can get complete information on Financial Consumer Agency of Canada.

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    Quote Originally Posted by bobbyreyes View Post
    Credit score plays a crucial role in determining whether an individual is eligible for a loan. Credit reporting agencies track how an individual manages his debts and prepare a credit report based on their analysis. You can get complete information on Financial Consumer Agency of Canada.
    these days they are even doing it for a job , before hiring someone.

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    Been a while since this thread has been updated and worth noting some changes.
    Both Equifax and Trans Union charge to check your score.
    Here are a few free ways to check:
    Credit Karma
    Borrowell
    ROMEO likes this.

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