I’m planning to apply for mortgage in the near future, and I wonder why my transunion score is 40 points higher than my Equifax score.That concerns me, because if the lender uses TransUnion score I will have no problem been approved. While with Equifax I will be denied for sure.
Aug 5th, 2020 11:12 pm
Hey, I have had bad credit for basically the last 15 years thanks to stupid decisions. I finally was down to 1 R9 (collections) on my account from Aug 2013 that was showing up on my equifax but not my transunion. I was hoping it would come off this month and sure enough it came off right on the firs...
Aug 2nd, 2020 7:38 am
Hi all! I recently paid off my mortgage. My credit score was at 720 prior to paying it off. Now I checked, it’s gone down to 690. Any cause for concern? I do not have a credit card other than the secondary card I have thru my wife. I am planning ...
Jun 4th, 2020 3:15 am
Hi, this place has always been so helpful to me. I just wanted to ask a question that has been asked before, but I can't get a definite answer. My credit score is average but it won't go any higher. Equifax is stuck at around 704 for a year. Credit Karma is at 770 or something. I have like 7 credit ...
May 19th, 2020 12:53 am
Hi all I moved to Canada in January so I've been building my credit score from scratch by paying for every by credit card and paying the balance in full before the limit gets to 30%. In 3 months, my credit score is now 736, TransUnion have this listed ...
Apr 24th, 2020 2:37 pm
Here’s my deal, had a student loan I stopped paying way way way back, like 2006 or so, went into collections, ended up filing a consumer proposal, which also failed and deemed abandoned (2012-2013ish). In subsequent years, I ended up getting back on track, started repaying my OSAP loan (CRA portion ...
Mar 4th, 2020 12:43 am
Does anyone know on which day of the month when Equifax and Transunion update their credit score? Some said it is random, but I find that hard to believe, if they update our score without waiting for the update from all our accounts each month then how accurate would ...
Nov 13th, 2019 2:14 pm
Hey guys, about 18 months ago I switched from prepaid at Chatr to a tab plan on Koodo. Unfortunately due to my score being below 600 at the time due to two outstanding collections I could not get approval under my name. I ended up transferring the name of the account under my girlfriend because her ...
Oct 20th, 2019 2:40 pm
What is the best way to check my credit score for free? I have heard about three different services: Does anyone have experience using those free services? Credit Karma TransUnion Equifax Thanks, Hardaway
Sep 22nd, 2019 9:08 pm
I skimmed through a few past threads I found but they are likely dated now (~2017). I am with CIBC. I want to know the best way to check my credit score. I previously read some suggestions regarding free services while other users advised against using free services because you are giving these ...
Sep 8th, 2019 11:45 am
... figured this was not you then I thought case was closed. Now the car rental company ended up selling the debt to a credit collection agency and my credit score was hit over 150 points... what should I do now? I've previously tried calling the collection agency and told them it was not me (over ...
Sep 7th, 2019 5:57 pm
My credit score got 16 points lower in one shot. I didn’t apply for credit or had a hard hit in the last 6 months. Neither did I miss any payments for many years, and the report shows all accounts OK. How can I find out who reported me negatively, then how can I complain?Thanks guys.
Sep 3rd, 2019 9:20 am
... unions as she could in a single day as applying for multiple loans in a row would be considered "shopping" and lessen the impact on the credit score, as well as banks wouldn't see you applied for other loans as it wouldn't have time to update. What are your thoughts? Has anyone tried ...
... when I travel. HBC comes in handy on those sale events where you get an extra 15% off if you use your HBC credit card. Would I see any hit in my credit score if I cancel my TD Cashback Visa? My score is 827 on Credit Karma. Any ideas/suggestions? Thanks
Aug 7th, 2019 9:34 am
Hey guys! I have been using CreditKarma for the past few months and was very happy to see my credit score was at ~840. Today I registered on Equifax and my score in only 751... which is worse than 60% of the Canadians. I really confused about the difference and why I ...
Jul 12th, 2019 11:27 am
So, I had an unused credit card and I closed it. Two weeks later checked creditcarma, the account shows closed and the score dropped 30 points. The credit limit of the closed card was about 7% of my total unsecured credit and the account was probably 6-7 years old. How long usually takes to get the ...
Jun 21st, 2019 10:12 am
Hello,I'm in need of running a background check on someone. I need to assess not just the credit history but also how much liabilities this person has (credit cards, mortgages, other loans). Does an Equifax report achieve this? If not, can someone suggest which service to use?Thanks
Jun 20th, 2019 12:21 pm
Hello, I recently faced a 30 days late payment by a creditor to my mistake, i've since within the same month of seeing that rectified the matter and cleared the account. It costed me about 85 Pts on equifax. How long does it take to regain said potential 85 PTs? I was about 710 and now rolling a 625...
Jun 4th, 2019 9:41 am
Help please ... I just had a baby and it was a rough pregnancy and post labour. Leading up to the baby and shortly after I wasn't on top of my credit cards as I should have been. One was 90 days past due And 2 others 60 days ( payments made but I guess not enough). One closed the account on me but t...
Apr 20th, 2019 7:22 pm
I'm a monthly equifax subscriber. My credit score went down by 100 points because a credit card company provided wrong information. I just it fixed an I'm back in the 800s again. Do I need to contact Transunion and others to check?
Apr 13th, 2019 12:52 pm