Credit Bureau Discussions, Offers & Promotions

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  • Does Credit Bureau have our SIN?

    Hi. I am looking to get a free credit report from Equifax and TransUnion. It looks like if we apply through mail we don’t have to provide our SIN whereas we have to provide our SIN if we are applying through phone or online. But with mail, I’ll have to send my drivers license copy. My question is if...

    • Kyle12345
    • Dec 14th, 2020 11:59 pm
    • Forum: Personal Finance

  • Credit Bureau Reporting

    ... is 3 days before the next bill date. So technically I will have an unpaid overdue balance for 3 days. My question is if Rogers would report to the credit bureau if my “payment” was late and unpaid for those 3 days? Does Rogers/telecom companies report to the credit bureau right when there is a ...

    • Emily0123
    • Dec 11th, 2020 2:38 am
    • Forum: Personal Finance

  • Wild Credit Bureau Situation - Need help Please

    So basically I have monthly claims on my credit report from koodo for $18 since 2018. I had no clue this was going on and assumed this bill was settled a long time ago. The issue is Koodo is telling me they sent it to a collection agency. The collection agency is saying they don't have it. I call eq...

  • [Mogo] One year free MogoProtect to monitor hard inquiries on your Equifax credit bureau account

    ... one year of free credit monitoring and protection from TransUnion. While that’s helpful, this protection is for only one of the two major credit bureaus, which means it will not provide alerts for any new activities reported to Equifax®, the other major credit bureau. To help protect you ...

    • bylo
    • Dec 19th, 2019 5:54 pm
    • Forum: Expired Hot Deals

  • Reporting to credit bureau

    I never see this discussed here. How to lanords report non payments/late payments to transunion/equifax?

  • I paid my bill but the creditor reported an R9 to the credit bureau

    ... day one but was ignored? What if the creditor then reported an R9 a month before the persons mortgage renewal? What if a dispute was sent to the credit bureau but they informed the person it could take up to 90 days to investigate and update the report? Is there any process or special department ...

    • Blackbolt69
    • Feb 9th, 2019 5:54 am
    • Forum: Personal Finance

  • Credit bureau and collection agency

    I’m looking for some input as to what I should do in this situation. I have a collection account on my credit report from December 2016. I know the debt is valid and mine (albeit I’ve apparnekty incurred some interest). I know Canada doesn’t do ‘pay for delete’ which is a shame. Anyways, I’m going t...

    • AilsaB32104
    • Oct 18th, 2018 2:52 pm
    • Forum: Personal Finance

  • etter from Credit Bureau of Canada Collections - what to do?

    I just received this letter from the Credit Bureau of Canada Collections stating I owe $6000 for an unpaid freedom mobile plan. My issue is that I've never had an account with freedom mobile. They are demanding that I pay within 10 days or ...

    • plxGORF
    • Aug 12th, 2018 12:58 pm
    • Forum: Personal Finance

  • Report bad tenant to credit bureau

    ... I know my chance of getting that money is slim, but I want to at least have their credit score lowered. Is there a way I can report them to the credit bureau or any good recommendation for a collection agency in Ontario?

    • TableH
    • Mar 26th, 2018 11:36 pm
    • Forum: Real Estate

  • Has anyone had their credit bureau pulled by Statistics Canada?

    I noticed that Statistics Canada pulled my Trans Union credit report on October 24, 2017. (Interestingly this 'Account Review Inquiry' [soft-pull] didn't appear on the Trans Union hardcopy disclosure I received in November 2017; it took a while to 'post' to my credit report.) [Note: Trans Union soft...

    • hopetindall
    • Jan 22nd, 2018 7:22 pm
    • Forum: Personal Finance

  • Credit Bureau Calls- I'm not paying again....

    So I got a call back in 2015 from the credit bureau of Canada (or their affiliate I guess- whoever "collects" the money.) I had my daughter enrolled in a daycare from 2011-2014. I paid the director cash each month, and she would tell me that ...

    • amait06
    • Sep 12th, 2017 3:33 pm
    • Forum: Personal Finance

  • How to find out "Cut Off" date for credit cards

    I use my credit cards a lot and most of the time am at about 80% utilization by middle of billing cycle. I always pay my balance in full on due date but over the years realized that my balances show up as 80% utilization on my credit reports (Equifax). I was of the belief that since i paid it in ful...

    • olddog
    • Dec 20th, 2016 8:55 pm
    • Forum: Personal Finance

  • Which Mortgage Lender Pulls Which Credit Bureau

    I am looking into buying a house. I just pulled my credit scores/reports today, and found that Transunion has a better score and no collections on it, while Equifax has a collection. I wonder if there is any mortgage lender (or Bank) that only pulls the credit report from one, or other, or both bure...

    • bazinga101
    • Sep 2nd, 2016 8:00 pm
    • Forum: Personal Finance

  • What happens after collection is paid off?

    I was contacted by an agency for a debt on Thursday; Paid the debt in full on Monday. Is the collection agency not obliged to report to the bureau of full payment received or is incumbent on me to do so? I spoke with a collection's agent after the payment; and she is opinion that any new updates in ...

    • DanEdd
    • Jul 19th, 2016 10:56 am
    • Forum: Personal Finance

  • Why the scores on the two credit bureaus differ so much?

    I just checked my scores on both Equifax and Transunion. Not sure if I should be comparing the two scores. I am still building my credit scores after a derogatory. My current scores are: Equifax 619, Transunion 739. I notice Equifax has a collection that I do not recognize. Are the scores supposed t...

    • bazinga101
    • Jun 8th, 2016 12:12 am
    • Forum: Personal Finance

  • Close a credit within 2 weeks

    Hi. If you close a credit card within 2 weeks of opening it does it show on CB? Would it effect it a lot. I signed up for the $300 CIBC bonus on new account and the advisor cross sold me a credit card. I decided my other cards (Scotia Gold Amex, and other cards) are better for me and I really don't ...

    • Tbbt28
    • May 25th, 2016 9:57 pm
    • Forum: Personal Finance

  • List of creditors/lenders that pull/inquire from Equifax & TransUnion, and credit card application info. Update!

    This list I put together is very useful when applying for credit to see the likelihood of you being accepted or denied, especially if you have a derogatory item, or a lot of recent hard hits, on one credit report but not the other And for it to remain useful, we RFDers need to edit it as a community...

    • G0DKING
    • Feb 24th, 2016 7:54 pm
    • Forum: Personal Finance

  • "Student" record in credit profile

    Is there anyone on this forum who knows for certain whether or not there exists such a thing as a "note" in credit profile with some kind of an indication that the credit profile belongs to a student? I've recently been enticed to apply for a student credit card with some rewards at my university, b...

    • automorphism
    • Jan 18th, 2016 5:31 pm
    • Forum: Personal Finance

  • Financial Advice(Building Credit)

    Allow me to say thanks in advance for any advice. I had an account with Rogers that was sent to collections on 18/08/2010 for 1161$. Being a student/young at the time I shrugged It off completely. At this point I can only make a payment to Rogers. They informed me that based on the length of delinq...

    • Tsukune
    • Feb 24th, 2015 11:49 am
    • Forum: Personal Finance

  • Really, REALLY old debt (help).

    Hi folks; So here is a dilemma I am faced with. I got a call about 30 minutes ago from some random collection agency, that I owe cogeco cable about $300.. From January of 2007, 3 months after I finished university and moved away! In (what I assume to be) typical third party collection attitude, the ...

    • Peter1979
    • Jan 6th, 2014 3:35 pm
    • Forum: Personal Finance

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