[MRG] Credit Reports

[Agent_J]

Has anyone here ever gotten their credit reports from either Equifax or TransUnion Canada? Did you guys do it online or snail mail? And did you find any mistakes in your report?

[squall458]

i did it once when there was some promotion to get one free. it was all correct for me, and i learned alot about myself.

[Galasius]

I've done it a few times.

Fortunately, never found any problems. There's LOTS of good information.

I've requested on-line when they've had promotions. Otherwise, I do the old snail mail route as that is 100% free for your basic credit report.

The 'extras' they like to charge you for are interesting, but aren't necessarily of added value. The only really good piece of data I don't think you can get for free is your credit score (same as FICO score in the US).

If you've never gotten reports in the past, I'd start with the good old snail-mail freebies. Make sure there's no erroneous information and everything looks in order. Once you know the data they have is accurate, then order the 'bells and whistles' reports to see how your overall rating looks.

[jckc]

I'm interested in getting a free report. how can i get it? can't find the right link on their site. :confused:

[FboyZ]

I'm interested in getting a free report. how can i get it? can't find the right link on their site. :confused:
link here:
http://www.equifax.com/EFX_Canada/consumer_information_centre/ownreport_e.html

request pdf here: http://www.equifax.com/EFX_Canada/consumer_information_centre/docs/request_report_form_e.pdf

need to send away for it, to get it free.

Here's the TransUnion Link
http://www.tuscores.ca/content/page.jsp?id=/tucanada/common/data/en_CA/ps/orderbymail.xml&locale=en_CA

[jckc]

Thanks for the links. I hope they will send me a 'good' report. I always wonder what my credit rating is.

[Arrow]

I've checked mine online when they had that Mastercard promotion. I'm quite happy with my score even though I'm still a univ student.

[Audiogenic]

Bottom line is that you need to get a copy of BOTH reports from Equifax and Transunion because you don't know who is using which to check against you.

[guest10586]

link here:
http://www.equifax.com/EFX_Canada/consumer_information_centre/ownreport_e.html

request pdf here: http://www.equifax.com/EFX_Canada/consumer_information_centre/docs/request_report_form_e.pdf

need to send away for it, to get it free.

Here's the TransUnion Link
http://www.tuscores.ca/content/page.jsp?id=/tucanada/common/data/en_CA/ps/orderbymail.xml&locale=en_CA

Probably a dumb question but how do they get ID from you if you mail it to them?

[Bandi1]

If you happen to live in a city where Equifax and/or TransUnion have an office, you can go there directly and view your credit report for free.

[FboyZ]

Probably a dumb question but how do they get ID from you if you mail it to them?
You just need to send them a photocopy (of both sides) of your ID.

http://www.equifax.com/EFX_Canada/contact_us/index.html

[Rosico]

If you happen to live in a city where Equifax and/or TransUnion have an office, you can go there directly and view your credit report for free.


Is there a listing where their offices are on their site? Any in Toronto/Vaughan?

I took a quick look a found nothing. :cry:

[Rehan]

Is there a listing where their offices are on their site? Any in Toronto/Vaughan? Try the info at http://york.cioc.ca/details.asp?RSN=6860&Number=64

[plan b]

How often are you allowed to request for your credit report?

[v00d00]

I think as often as you wish.. but it is a bit of a chore to do.. so usually people will only request it every 6months-1yr (though, that's still a lot more often than the regular person ever checks - ie. NEVER).

Edit: Also.. you checking your own credit report doesn't affect your score.. but take note, having other organizations checking your credit DOES hurt your rating. So only apply for things, or let people check it when its necessary, and if you feel you will get whatever you are trying to get.

[plan b]

So if a bank checks my credit when I apply for a credit card, would that lower my score? Or do I need to be denied first before my rating decreases?

[v00d00]

Yes it affects you. Every time an institution checks your credit it looks bad upon you.

Of course if you are only applying to that one place, and they give you what you want.. you are set.. because noone else will be checking after them.

but take for example you got to Bank 1.. they check your credit (it's logged that someone checked it), then they deny you.. so you go to Bank 2.. then they see that Bank 1 just checked you out last week.. and I guess they didn't give you the loan, or else you wouldn't be at Bank 2.. so why would Bank 2 risk something Bank 1 passed on?

So then you go to Bank 3... ya know?

Otherwise you only apply for something say every year or two years (or more) that really won't affect your credit whatsoever.. especially assuming you would have gotten whatever you were applying for.. which then using that credit and paying it on time will boost your credit score again.

It's like, ya gotta have people check yer credit.. just don't make it a habit!

[plan b]

I plan on requesting for my credit report but before I do, what are the actual scores? is it 1-10 rating? is there a maximum rating? What should I typically expect?

[v00d00]

I *THINK* there is also another scoring system used besides FICO.. though I really can't think of what it is off hand (so maybe I'm dreaming?).

Either way, just do a search on google about it.. it lists approximately what the scores mean.. but the score alone isn't whats so critical about getting your report, what you are looking for is inaccuracies.. you need to get those cleared up as soon as possible.

[red_red]

Hi,
is there some phone number or website to obtain
your own credit rating... to see where you would stand in
the creditor's eyes...
Basically my question is who can i ask, to find out what my credit
rating is... i am interested as I have several CCs and am looking
at a new CC....

thanks for any info.

[marksman]

There are two main credit report providers in Canada, Equifax and TransUnion.

You can find details for obtaining your credit report from them on their websites:

Equifax -- http://www.equifax.com/EFX_Canada/
TransUnion -- http://www.tuc.ca/TUCorp/home.asp

You can get your report for free from both of them (you need to send it by mail). If you want to get it quicker, they will happily sell it to you for ~$15

[rain111]

How do I obtain my own credit score? I have got my credit report from Equifax but they did not include my credit score in the report.

[Rehan]

How do I obtain my own credit score? I have got my credit report from Equifax but they did not include my credit score in the report.I think buying the $22 report from https://www.econsumer.equifax.ca/ca/main?lang=en is the only way to get the details of your score. Other than that, maybe you can ask a banker or similar person who is processing a credit application for you.

[taile]

If you happen to live in a city where Equifax and/or TransUnion have an office, you can go there directly and view your credit report for free.
wow! are you sure about this!? i can just walk in and ask them to print a report for me without any fee!? sound too good to be true!

http://york.cioc.ca/details.asp?RSN=6860&Number=64

this place is quite near my house! :cheesygri

[jkyc]

after reading this thread it reminds me of the book i had read eariler...it's states that if u want to know your boyfriend/girlfirend's fiancial standard u can always do a credit check for them....sooo funny.....yeh well it's partly true..can u believe how easy to check up with others financial history??? all u need is a sin card/driver lincense number...(if u willing to pay or else it would be come a bit of complicated..to get a photo copy of it.)... :twisted: