Pay your bills on time.TitusBobby wrote: ↑ Just found out my credit score is poor ... What are some quick ways to improve it?
Borrowell is getting your credit score from Equifax. It's 100% accurate as of the time that they fetch it, but they only fetch it once a month. It's definitely less *detailed*, if that's what you meant
Something screwed up when I tried to sign up for Mogo, so now when I login all I see is this:SureshA720227 wrote: ↑ Mogo.ca is free and it gives credit score every month from equifax.
I get what you are saying, but my point is not to rely much on any of these. I applied for a car loan a few months ago and the difference in my score from the dealership to borrowell to equifax was about 60 pts. So it's hard to see a score and get a good picture, only to see roughly what range you're in.wearysky wrote: ↑ Borrowell is getting your credit score from Equifax. It's 100% accurate as of the time that they fetch it, but they only fetch it once a month. It's definitely less *detailed*, if that's what you meant
Something screwed up when I tried to sign up for Mogo, so now when I login all I see is this:
No way to update any information on my Mogo account (it's all greyed out/unclickable), and I know my Equifax information is correct (signed up for a free Trial in Jan to have a look at it. Also forgot to cancel so got dinged for a month's cost for Feb - just checked and it's still all good). So I've resorted to emailing them to delete my existing account so I can try signing up again. Annoying. And yeah, I could sign up with a different email address, but screw that.
Was the dealership using Equifax? I know my TransUnion and Equifax scores are always a good bit different (TU is lower). You can't really rely on Borrowell to match your Equifax score on any day other than the day that it fetches the score (and hell, I dunno how Equifax works - your score might even change later that daydeadice wrote: ↑ I get what you are saying, but my point is not to rely much on any of these. I applied for a car loan a few months ago and the difference in my score from the dealership to borrowell to equifax was about 60 pts. So it's hard to see a score and get a good picture, only to see roughly what range you're in.
P.S. I just signed up for Mogo and it works.
)yes they used equifax, dealer even showed me the print out (which supposedly they aren't supposed to do) to show me my score. At the time it was about 60pts higher than on borrowell. but car loans might produce an inflated score as well, so who knows. all these scores do is get you a good ballpark. straight from equifax will likely be the most accurate.wearysky wrote: ↑ Was the dealership using Equifax? I know my TransUnion and Equifax scores are always a good bit different (TU is lower). You can't really rely on Borrowell to match your Equifax score on any day other than the day that it fetches the score (and hell, I dunno how Equifax works - your score might even change later that day
No response from Mogo's support for me yet. Oh well, it's not like I need yet another site showing me my Equifax score
Ahh - in that case, I assume if you had logged into Equifax at the same time you would have gotten the same information that the dealership got. Unless they too are getting some kind of cached value, like Borrowell does.deadice wrote: ↑ yes they used equifax, dealer even showed me the print out (which supposedly they aren't supposed to do) to show me my score. At the time it was about 60pts higher than on borrowell. but car loans might produce an inflated score as well, so who knows. all these scores do is get you a good ballpark. straight from equifax will likely be the most accurate.
The third parties generally aren't selling your private info out. They're trying to use it to sell you financial products.
And that's.... better?
It's certainly better than giving it out to random third parties, yes. Of course. I signed up knowing full well that this is what they are using it for - and as far as I can tell, unsubscribing from their promotional emails has worked, so the only effect of them "trying to sell me their financial products" is seeing that messaging when I login to the site.
