Free credit report

this is not for real unless you have a credit card

Offer Details:
Simply click "Submit" on the next page to claim your FREE Credit Profiles and Score and activate your trial membership in Privacy Protection Plus. After your 7-day FREE trial, the membership fee of $29.95 per month will be charged by Privacy Protection Plus to the credit card you use today, and then automatically charged each month at the then-current monthly membership fee so long as you remain a member. Of course, you can call us toll-free at 1-866-444-1837 within the first 7 days to cancel - you will have paid nothing and owe nothing. Remember, Privacy Protection Plus comes with our guarantee - you can call to cancel at any time and you will no longer be charged.

personally I would rather apply for a free credit check from the actual credit agencies Equifax or Transunion

I tried it. I signed up to get a free credit report. Turns out it's a minor hassle, you have to send away for a form that you fill out... so in other words, it would likely take longer then the free week. So I called in to cancel, and they have a thing now where you get a full year for $30. So I took that option, and I'll try to get my money's worth. You also get a free criminal background check. I'm going to look up someone that I don't like.

Actually, it looks like there really is immediate online access to your credit score for free. Sign up, get a transunion gift code, then cancel. I think you get a rebate on an Equifax score, but I'll wait until the rebate forms come in the mail before I order anything.

dux wrote: ↑http://www.freecreditreportsincanada.ca/

Anybody tried this before?

Everyone should be aware that EACH and EVERY time a company checks your credit, be it, bank, leasaing co, cell phone co, utilities or even so-called free credit check company.

Your credit rating or BEACON is dinged a few points. And goes down, that is bad.>

So, when you go to apply for financing, credit card or whatever they will pull your "Credit Bureau" look at it and very often have formulas to follow. r may just go on the fact you've had "too many enquiries"!

So everyone, if you can....

1)refrain from using these services
2) use caution when "shopping around" for any big ticket or credit based item or service. And be aware when you sign ANY application, they have the right to check your credit.

Deb

i6s1 wrote: ↑Actually, it looks like there really is immediate online access to your credit score for free. Sign up, get a transunion gift code, then cancel. I think you get a rebate on an Equifax score, but I'll wait until the rebate forms come in the mail before I order anything.

I registered and entered all my info to the website. In the end, it gave me a Membership ID and directed me to the privacyplus.ca website. Now when I log in to the privacyplus.ca website, I can't see any credit scores.
How do we see the credit score? I'm starting to have doubts about this!

I really hope these guys mail me the stuff quickly before the 7 days is over because I don't want to pay $30.

Log in,

Pick the Credit Reporting button near the top,

The click the "Online Credit Profile, Score and Monitoring" link on the left menu,

Then follow the instructions on the right. There's a "click here" in the first paragraph that will give you a transunion code.

Go to transunion, log in, and redem the code.

***TIP***

Set up a Transunion account before your PrivacyPlus membership. Since Transunion has to verify your information, it might take a few days or more. I already had one so it wasn't an issue for me.

cowboy_loves_me wrote: ↑Everyone should be aware that EACH and EVERY time a company checks your credit, be it, bank, leasaing co, cell phone co, utilities or even so-called free credit check company.

Your credit rating or BEACON is dinged a few points. And goes down, that is bad.>

So, when you go to apply for financing, credit card or whatever they will pull your "Credit Bureau" look at it and very often have formulas to follow. r may just go on the fact you've had "too many enquiries"!

So everyone, if you can....

1)refrain from using these services
2) use caution when "shopping around" for any big ticket or credit based item or service. And be aware when you sign ANY application, they have the right to check your credit.

Deb

You are right about the credit inquiries hurting your score, but in this case, you're checking it yourself. That doesn't hurt your score.

I signed up today and it worked... a bit of a hassle though like a previous poster mentioned...

You sign up with PrivacyPlus.ca, log in, go to Credit Monitoring, get the TransUnion gift certificate code, go to the TransUnion website and register(if you dont already have an account with them), then use the gift certificate code and voila, free credit report with your score included...

So now I have to call to cancel my Privacy Plus membership within the next 7 days... Ill be calling today...

What's the point of a credit report?

do you really need a site to tell you where you stand ...can't estimate based on your own values?

and isn't this the same as the credit bureau?

aZian_ wrote: ↑What's the point of a credit report?

do you really need a site to tell you where you stand ...can't estimate based on your own values?

and isn't this the same as the credit bureau?

It's a good idea to check your report once a year to look for inaccuracies. You can get it for free by filling out a form and they'll mail it to you, but this is a little quicker and it includes your credit score.

I called to cancel my membership and the guy offered me a one year full membership with full access to my profile, scores, etc for only $29.95
not bad...1/12th of what it originally was.

cowboy_loves_me wrote: ↑Everyone should be aware that EACH and EVERY time a company checks your credit, be it, bank, leasaing co, cell phone co, utilities or even so-called free credit check company.

Your credit rating or BEACON is dinged a few points. And goes down, that is bad.>

So, when you go to apply for financing, credit card or whatever they will pull your "Credit Bureau" look at it and very often have formulas to follow. r may just go on the fact you've had "too many enquiries"!

So everyone, if you can....

1)refrain from using these services
2) use caution when "shopping around" for any big ticket or credit based item or service. And be aware when you sign ANY application, they have the right to check your credit.

Deb

Just to clarify (not sure if I'm understanding correctly)...as i6s1 pointed out, your credit rating isn't affected if YOU check your credit, right? I was thinking of sending a credit request form to Equifax just out of curiosity, but I'm not gonna do it if it has an impact on my credit rating

passthatversace wrote: ↑Just to clarify (not sure if I'm understanding correctly)...as i6s1 pointed out, your credit rating isn't affected if YOU check your credit, right? I was thinking of sending a credit request form to Equifax just out of curiosity, but I'm not gonna do it if it has an impact on my credit rating

Correct. It WILL NOT affect your credit rating. Anytime you do an enquiry it will show up where YOU can see that you've enquired but any creditors viewing your profile will NOT see that you've enquired.

MartinaC32 wrote: ↑Correct. It WILL NOT affect your credit rating. Anytime you do an enquiry it will show up where YOU can see that you've enquired but any creditors viewing your profile will NOT see that you've enquired.

thanks for clarifying!

i6s1 wrote: ↑You are right about the credit inquiries hurting your score, but in this case, you're checking it yourself. That doesn't hurt your score.

Are you now? You should be aware that if you are going through a THIRD party. Your beacon will be affected, but hey, that's your choice.

I know it takes effort and time from your lives to go down to get your credit checked in person, I know that. But you are using another party to do this. And anyone telling you otherwise. If you do NOT believe me, do a check.....

And has anyone read the fine print? Thats another issue I have with this company!