Best Free Credit Report
Does anyone know the best free credit report?
Is there a difference between mailing Equifax or TransUnion for one?
Or what about these commercials for sites like credit Karma?
Jul 22nd, 2018 11:49 am
Jul 22nd, 2018 12:19 pm
Jul 22nd, 2018 12:32 pm
Jul 22nd, 2018 2:52 pm
The best and only reports you should associate yourself with is from Equifax and TransUnion.
Jul 22nd, 2018 5:06 pm
Thanksmikeymike1 wrote: ↑ The best and only reports you should associate yourself with is from Equifax and TransUnion.
Acquire both at least once a year.
I find it really funny how so many on this forum are either hiding their identities (possible due to credit blemishes) or complain about various personal disclosure data in order to obtain credit that they so readily roll-over when any entity uses the free-credit report tag to sign up for it knowing all these services can and will use your credit and personal data to obtain other credit from various 3rd party credit orgs and businesses.
Moreover, if there's any issues with your report from CreditXXFreeReport you will have to get it changed or corrected from the main bureaus anyways.
One last note, with all the recent credit breaches in the last few years, your personal data is exposed 10-fold the more times you sign up for the free-credit report orgs.
Majority of these free-credit report orgs are credit 'brokers'... think about it!
Jul 22nd, 2018 7:35 pm
Jul 23rd, 2018 1:31 am
Jul 23rd, 2018 2:15 pm
Jul 23rd, 2018 6:30 pm
CIBC offers free reports as well. I've wondered about whether or not getting the free service gives them more access than they would normally get without having their hard / soft hits showing up on your report. And is there an increased risk to data breaches?
Jul 23rd, 2018 8:03 pm
No not with any of the FI's as they all periodically soft-pull your reports anyways. Any advertising of the service is just using it as perk as part of their account services. They are not going to use your financial or personal data to try secure any card offers from other banks. Why would they as they would be competitors.
Jul 24th, 2018 6:19 am
Jul 24th, 2018 8:17 am
Jul 24th, 2018 9:22 am
Jul 24th, 2018 7:08 pm
CIBC does not update your credit report report via Borrowell.
Jul 25th, 2018 11:12 am
Jul 25th, 2018 3:23 pm
@Khichdi & @mikeymike1 are referring to different things. The CIBC page says:
Given that CIBC is getting your score for their app from Borrowell, I am of the opinion that you are opening up yourself to similar risks as getting your own score directly from Borrowell.CIBC Free Credit Score Service
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