When did this change? you now need to create an account with Equifax and Transunion for free credit report/score?

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Apr 1st, 2022 12:32 pm

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Mar 4th, 2022 9:00 am

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 4th, 2022 9:00 am

When did this change? you now need to create an account with Equifax and Transunion for free credit report/score?

I always did the free online credit disclosure on Equifax and Transunion, and never needed to create an account now all of a sudden everybody must create an account? what gives? how many online accounts does someone need in this digital age? too many I guess?

Is there NO way to do it without creating one? i know you can do it thru your bank but i am not talking about thru the bank (cibc, rbc, Toronto dominion Canada trust) I am talking about thru Equifax and Transunion web sites only)

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

21 replies

Mar 4th, 2022 8:36 pm

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 4th, 2022 8:36 pm

can i find out who the two people are who pressed the thumbs down button? they clearly have an issue with what i post

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

Mar 5th, 2022 9:54 am

MikeMontrealer: Deal Addict; Jun 25, 2008; 1107 posts; 1150 upvotes

Mar 5th, 2022 9:54 am

As far as I remember you've needed an account. How else would they identify you?

The number of accounts you need is directly related to how many entities you deal with online. I'm not sure how else you expect to deal with them?

+1

Mar 5th, 2022 10:00 am

Mercury048: Sr. Member; Jul 8, 2009; 789 posts; 349 upvotes; Toronto

Mar 5th, 2022 10:00 am

I have no idea why people are downvoting. I remember you used to be able to order it online for free, also by phone and fax. No account needed. But that was years ago.

+1

Mar 5th, 2022 10:21 am

Fksdom: Sr. Member; Nov 30, 2018; 648 posts; 682 upvotes; Toronto, ON

Mar 5th, 2022 10:21 am

If you don't want to create an online account, you have the option of mailing in your request.

Mar 5th, 2022 10:25 am

callernamet: Deal Fanatic; Mar 10, 2018; 5150 posts; 1616 upvotes; does it matter?

Mar 5th, 2022 10:25 am

If I remember correctly may be somewhere last year. This is what I observed.

comparing-consumer-accessible-credit-sc ... #p34772057

Tried new coffee and doughnut. Found same old stale thing. expected bill of six bucks but it was 600 million. Big mistake so the guy said don't worry it is on the house. going back to McD.

Mar 5th, 2022 10:59 am

MikeMontrealer: Deal Addict; Jun 25, 2008; 1107 posts; 1150 upvotes

Mar 5th, 2022 10:59 am

callernamet wrote: ↑ If I remember correctly may be somewhere last year. This is what I observed.

comparing-consumer-accessible-credit-sc ... #p34772057

That's the switchover to the new login, but you had a login previously. That's an account too.

He's saying he never had an account - which I thought we always needed to order online. Yeah, you could order for free via mail-in request, fax or phone without creating an account, but I always thought to access online you needed an account.

Mar 5th, 2022 11:36 am

callernamet: Deal Fanatic; Mar 10, 2018; 5150 posts; 1616 upvotes; does it matter?

Mar 5th, 2022 11:36 am

MikeMontrealer wrote: ↑ That's the switchover to the new login, but you had a login previously. That's an account too.

He's saying he never had an account - which I thought we always needed to order online. Yeah, you could order for free via mail-in request, fax or phone without creating an account, but I always thought to access online you needed an account.

And that wont show or wont work. you can not order new reports which I used to do every 2-3 months.
This is old one. https://www.consumer.equifax.ca/persona ... re-report/
This is new one https://my.equifax.ca/login

I will have to check again if you can login in old interface. I tried few months before and it took me to new link. But last year I could login both links.

I used to get screen like this.

hehehe. I did same mistake like climate action thread. I posted in other thread. luckily I saw it and edited out from other thread. home buyers credit someone explain thread.

https://my.equifax.ca/new-experience

Tried new coffee and doughnut. Found same old stale thing. expected bill of six bucks but it was 600 million. Big mistake so the guy said don't worry it is on the house. going back to McD.

Mar 5th, 2022 5:00 pm

ROYinTO: Deal Fanatic; Dec 12, 2009; 5598 posts; 3099 upvotes; Toronto

Mar 5th, 2022 5:00 pm

Mercury048 wrote: ↑ I have no idea why people are downvoting.

It might be retaliatory; an eye for eye kinda thing. Not that I'm into that.
I recently received a series of downvotes within a minute or two on historical threads after pointing out something to the OP.
Just saying ....
Not everyone earns the honour of being in the penalty box.

Mar 5th, 2022 8:37 pm

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 5th, 2022 8:37 pm

I can assure you, there WAS a way of doing it WITHOUT creating a login . I did it once a year and I saved and printed the PDF files and stored them away for reference when needed. but the login thing is actually new, how does no one remember this? A lot of my friends and co-workers we all did this to check our credit history. Maybe the people who Don't seem to be bothered by this never used the free one where no login was required so they are thinking to them self "what the heck is this guy talking about, downvote him" or maybe they just do not like me in general because i have different interests then they do?

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

Mar 27th, 2022 4:39 pm

haliwood: Deal Addict; Aug 3, 2009; 2227 posts; 672 upvotes; Nova Scotia

Mar 27th, 2022 4:39 pm

Any way to PDF the whole report on the new interface? Lame to click every credit entry for details.

Mar 27th, 2022 6:26 pm

callernamet: Deal Fanatic; Mar 10, 2018; 5150 posts; 1616 upvotes; does it matter?

Mar 27th, 2022 6:26 pm

haliwood wrote: ↑ Any way to PDF the whole report on the new interface? Lame to click every credit entry for details.

yeah that is pain. There must be some way we need to find.

https://my.equifax.ca/new-experience

Welcome to the start of your new Equifax experience

Your Equifax product has been updated and is now located in myEquifax.ca.

What's Next? We'll help you through a few steps to begin accessing your product through myEquifax.

Tried new coffee and doughnut. Found same old stale thing. expected bill of six bucks but it was 600 million. Big mistake so the guy said don't worry it is on the house. going back to McD.

Mar 31st, 2022 11:23 am

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 31st, 2022 11:23 am

so it looks like even when Equifax and TransUnion had a "Free" way of getting your credit report WITHOUT creating a login, it seems people still went ahead and created the login and logged in to see their credit report?

my question is maybe people never knew they could login and get a free consumer disclosure? but isnt this the purpose of rfd? how to get things free?

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

Mar 31st, 2022 11:24 am

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 31st, 2022 11:24 am

im kind of taken back people had no idea you can get one without creating a login, wow.

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

Mar 31st, 2022 12:08 pm

callernamet: Deal Fanatic; Mar 10, 2018; 5150 posts; 1616 upvotes; does it matter?

Mar 31st, 2022 12:08 pm

GoodFellaz wrote: ↑ im kind of taken back people had no idea you can get one without creating a login, wow.

I think people knew as this was all over RFD. this became popular/publicized more as Quebec started giving free score and report.
dumb question. are you saying you can get free report ONLINE without creating login.
to be honest I have never bothered/cared to check score and report for so many years. And only started checking since it went live in RFD few years before.

isn't it same with Tranunion? I mean you need to create login name to get report. And Yes you can download PDF file ate TU.

Tried new coffee and doughnut. Found same old stale thing. expected bill of six bucks but it was 600 million. Big mistake so the guy said don't worry it is on the house. going back to McD.

Mar 31st, 2022 12:17 pm

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 31st, 2022 12:17 pm

the whole point of my post calernament was you used to be able to get one without creating a login and now that functionality has disappeared, there was no announcement or communication. i have saved past disclosures on my c: drive

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

Mar 31st, 2022 12:20 pm

callernamet: Deal Fanatic; Mar 10, 2018; 5150 posts; 1616 upvotes; does it matter?

Mar 31st, 2022 12:20 pm

GoodFellaz wrote: ↑ the whole point of my post calernament was you used to be able to get one without creating a login and now that functionality has disappeared, there was no announcement or communication. i have saved past disclosures on my c: drive

Yes. You are 1000% correct as I have done same many times.
But I have seen these changes and have posted pics when things started changing. We had thread discussing extract when things started changing.

Tried new coffee and doughnut. Found same old stale thing. expected bill of six bucks but it was 600 million. Big mistake so the guy said don't worry it is on the house. going back to McD.

Mar 31st, 2022 12:49 pm

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Mar 31st, 2022 12:49 pm

well if there was a post, it somehow slipped by me I even searched for it, maybe i was banned when you made that post?

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

Mar 31st, 2022 1:13 pm

MattyMattMatt: Sr. Member; Jun 22, 2011; 851 posts; 749 upvotes

Mar 31st, 2022 1:13 pm

I can confirm that I have previously pulled my credit report without creating an account, but that's also a long time ago at this point, several years, at least 5.

Apr 1st, 2022 8:18 am

GoodFellaz [OP]: Temp. Banned; Jun 24, 2015; 7649 posts; 2507 upvotes; 0 downvotes

Apr 1st, 2022 8:18 am

it was not changed a LONG time ago, It had to be a recent change. I have downloaded credit disclosures from up to 2020 so it was a very recent change, i probably never logged in in 2021 to test it.

Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade

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