Personal Finance

i got a copy of my equifax credit report

  • Last Updated:
  • Sep 10th, 2012 8:07 am
[OP]
Newbie
Aug 26, 2012
17 posts
1 upvote
Toronto

i got a copy of my equifax credit report

who can i talk to about the details? financial advisor etc........ Transunion wii be here sometime this week. thanks.
6 replies
Deal Fanatic
Apr 16, 2007
7876 posts
3143 upvotes
Financial District B…
forrester wrote: who can i talk to about the details? financial advisor etc........ Transunion wii be here sometime this week. thanks.
You can go to your own bank and ask to speak to one of their credit specialists. Most banks do it for free.
A better route may be trying True Assess at trueassess.com. They are located in north Toronto an I've heard a lot of good things about them. Particularity that they're all well experienced, previous bankers and financial advisors with real credit bureau experience and credentials and 'real' bureau training.
They'll also have source recommendations if any further legal credit counseling is required.

You can also try CCDS http://creditcanada.com/financial-coach ... l-coaching
Initial consultation is free and are Canadian Association of Credit Counselling Services (CACCS) certified.

P.S. I'm not in any way affiliated to any of them
Deal Addict
Jan 30, 2012
1527 posts
884 upvotes
TORONTO
forrester wrote: who can i talk to about the details? financial advisor etc........ Transunion wii be here sometime this week. thanks.
It isn't clear what you are asking. There are a few possibilities:

1. How do I correct errors on my credit report?

Your credit report will come with a form & instructions on how to file a dispute with the credit bureau to correct inaccuracies.

2. How can I better deal with credit?

If you're spending beyond your means, paying high interest rates or late paying your creditors, then a credit counselor might be able to help.

3. How can I get a better credit score?

Some financial decisions are made mostly or entirely based on your credit score - the FICO score (http://en.wikipedia.org/wiki/FICO_score) is the most common.

Your FICO score can be manipulated & improved by doing certain things. There are many threads on RFD discussing how in excruciating detail.
[OP]
Newbie
Aug 26, 2012
17 posts
1 upvote
Toronto
M8Rxmjsik wrote: It isn't clear what you are asking. There are a few possibilities:

1. How do I correct errors on my credit report?

Your credit report will come with a form & instructions on how to file a dispute with the credit bureau to correct inaccuracies.

2. How can I better deal with credit?

If you're spending beyond your means, paying high interest rates or late paying your creditors, then a credit counselor might be able to help.

3. How can I get a better credit score?

Some financial decisions are made mostly or entirely based on your credit score - the FICO score (http://en.wikipedia.org/wiki/FICO_score) is the most common.

Your FICO score can be manipulated & improved by doing certain things. There are many threads on RFD discussing how in excruciating detail.
# 2 and #3
[OP]
Newbie
Aug 26, 2012
17 posts
1 upvote
Toronto
And thanks thts a good idea Beeg I will do tht

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