Personal Finance

Credit Score - Free - How??

  • Last Updated:
  • Sep 29th, 2013 11:03 pm
Tags:
None
[OP]
Deal Addict
Dec 29, 2005
1042 posts
35 upvotes
Mississauga

Credit Score - Free - How??

Is there any way for consumers to get a free credit score of themselves?
11 replies
Deal Guru
Aug 2, 2001
13420 posts
4073 upvotes
Many credit cards offer a credit monitoring service that is free for 30 days. Within this time period you can request copies of your credit report/credit score and then cancel before the time period is up. You can also go through Equifax for the same sort of thing:
https://www.econsumer.equifax.ca/trial_en.html

Just remember to cancel and read the fine print.
Deal Addict
User avatar
Oct 23, 2006
3526 posts
612 upvotes
Winnipeg
Order the free credit reports from both services.

Order the equifax credit score and cancel within the month so its free.


Also check out this article here:

http://canadianfinanceblog.com/calculat ... -for-free/

It includes this free calculator for FICO scores that is may be pretty accurate:

http://www.bankrate.com/can/fico/calc.asp

Compare the 2 scores!
^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^
Former username: coleworld
Banned
May 13, 2012
48 posts
8 upvotes
Mississauga
Early this year I went to my bank branch (I bank with TD) to meet a customer service rep. He had my account open on his computer when I asked him about my credit socre and he provided it to me. Apparently the bank gets fairly regular updates on the credit scores of the customers. However, I've no idea if all customer reps would be willing to provide the scores.
Sr. Member
Sep 6, 2010
741 posts
82 upvotes
Waterloo
cjottawa wrote:
Sep 10th, 2013 9:17 am
A bit of misinformation to correct here: in the USA, you are entitled to one free report once a year.

In Canada, you can request your free consumer disclosure as many times as you like, without limit, from Canada's two credit reporting agencies. Said reports, as vuhoang123 indicated, don't contain scores.

The easiest way to obtain your free consumer disclosure in Canada is to call the automated toll-free numbers for the reporting agencies and follow the prompts. They'll mail the reports to you at the address on your report, usually within two weeks, though it can take over a month.

TransUnion (800) 663-9980
Equifax (800) 465-7166

Another thread on this topic: http://forums.redflagdeals.com/any-one- ... st16604777
Also, for Equifax, there is an option to fax a request for the consumer disclosure.
Deal Addict
User avatar
Oct 23, 2006
3526 posts
612 upvotes
Winnipeg
I just ordered my 2nd free Credit Score/Report from Equifax

(Last one I did November 22, 2012)
^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^
Former username: coleworld
Newbie
May 9, 2013
65 posts
118 upvotes
Toronto
How did you get SCORE for free? On their website it says CAD 23.95 for the score. YES, I know we can get the REPORT for free.

Cheers!
coleworld wrote:
Sep 10th, 2013 10:44 pm
I just ordered my 2nd free Credit Score/Report from Equifax

(Last one I did November 22, 2012)
Deal Addict
Feb 4, 2008
3114 posts
169 upvotes
Sign up for Equifax's free trial. Get report and score and cancel the next day.

I was curious how this worked and did it last month without any issues.
www.mortgagecalculatortoolkit.com (cut and paste it)

Do your mortgage math correctly!
Deal Addict
User avatar
Oct 23, 2006
3526 posts
612 upvotes
Winnipeg
russ007 wrote:
Sep 26th, 2013 10:48 am
How did you get SCORE for free? On their website it says CAD 23.95 for the score. YES, I know we can get the REPORT for free.

Cheers!
Link in the 2nd post, enjoy!
^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^
Former username: coleworld
Member
Apr 22, 2005
339 posts
1 upvote
Kitchener
is there a limit to how many times you can do this or an amount of time you have to wait between signing up and cancelling the first time then signing up again? thanks
× < >
Rotate image Save Cancel

Top