Expired Freebies

[Equifax] Equifax Canada - Free trial - One month

  • Last Updated:
  • Jul 13th, 2017 12:34 pm
36 replies
Member
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Jun 13, 2004
253 posts
98 upvotes
What does this give you that you don't get from the credit report you can free each year?
Deal Addict
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Jul 20, 2016
2028 posts
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Toronto
As someone who isn't familiar with all this credit score thing, what's the difference between this one in OP, the yearly one, and those Free (like credit karma or borrowell)?
huuuu! (¬'-')¬ C-('-'Q) straight!
Deal Addict
Sep 24, 2007
3889 posts
1258 upvotes
Ontario
Jemm wrote: What does this give you that you don't get from the credit report you can free each year?
your credit score.

borrowell is free too but it is not as accurate.
Deal Addict
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Jan 16, 2011
3930 posts
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The NORTH
Inb4 : HAWT!!! Bought 10!!!

Seriously though, why isn't this in the freebies section?

Also there is a thread on free credit apps

And this has been standard practice for Equifax for years. You sign up and they auto bill you when you don't cancel.
Deal Addict
Oct 14, 2015
1133 posts
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Toronto, ON
Mogo.ca is free and it gives credit score every month from equifax.
Koodo $40 13GB!
Member
Sep 17, 2016
286 posts
108 upvotes
Just found out my credit score is poor ... What are some quick ways to improve it?
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Aug 8, 2015
1096 posts
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Toronto
TitusBobby wrote: Just found out my credit score is poor ... What are some quick ways to improve it?
Pay your bills on time.
Jr. Member
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Apr 29, 2017
143 posts
51 upvotes
Dildo
FYI this doesn't give you the rating per individual credit types. Banking institutions will give you a rating of 1-9 and determine to grant you credit based on that rating so having your credit score is only really useful as a general health check and also you can see credit hits and errors which is definitely beneficial
Member
Sep 17, 2016
286 posts
108 upvotes
Is anyone else encountering the issue of getting an error code when trying to sign up online for the free month, and then, when chatting to support over the phone, getting the story they are not able to offer the promo over the phone and having to pay the first monthly fee of $17 right away?

This just happened earlier not only to me but to someone else I know too.
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Nov 28, 2013
19710 posts
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Oakville
deadice wrote: your credit score.

borrowell is free too but it is not as accurate.
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 :)
SureshA720227 wrote: Mogo.ca is free and it gives credit score every month from equifax.
Something screwed up when I tried to sign up for Mogo, so now when I login all I see is this:

Image

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.
Deal Addict
Sep 24, 2007
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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.
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.
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Nov 28, 2013
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Oakville
deadice 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.
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 :)
Deal Addict
Sep 24, 2007
3889 posts
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Ontario
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 :)
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.
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Nov 28, 2013
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Oakville
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.
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.
Deal Fanatic
Feb 17, 2007
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Mort Réal
It says 1 free trial per 180 days so I guess everyone shoud be able to get the one directly from Equifax, much better than any 3rd party who probably just turn around and sell your private info.
I can't afford to buy cheap stuff. Therefore, I'm thirsty for deals on durable goods.
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Nov 28, 2013
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Oakville
WHO wrote: It says 1 free trial per 180 days so I guess everyone shoud be able to get the one directly from Equifax, much better than any 3rd party who probably just turn around and sell your private info.
The third parties generally aren't selling your private info out. They're trying to use it to sell you financial products.
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Feb 17, 2007
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wearysky wrote: 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?
I'm just saying, why not just use the actual source? Who needs their score more than once every 180 days?
I can't afford to buy cheap stuff. Therefore, I'm thirsty for deals on durable goods.
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Nov 28, 2013
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WHO wrote: And that's.... better?
I'm just saying, why not just use the actual source? Who needs their score more than once every 180 days?
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.

As for who needs their score more than twice a year? I dunno. I only check it once in a blue moon out of curiosity, to see if anything looks amiss. I imagine that folks who do lots of credit card churning might check it more frequently, as one example that comes to mind off the top of my head.

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