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July 14, 2022
5:14 am
Nehpets
Ontario
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Pierre said
Open a free account at Borrowell.com, and you can check your credit score and full report as often as you wish for free.  

When an online service provides what is usually a paid service or product for free, then the product or service is YOU.

The information gleaned using a third party is likely being sold and exploited by advertisers. This could be particularly problematic if the registration process requires providing your personal and sensitive information such as your name, address, date of birth and S.I.N. ......everything in a neat package for potential identity theft.

July 14, 2022
12:06 pm
RetirEd
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Equifax and Trans Union will mail you a free report and history by on-line or phone request: I did one just four months ago. What they will NOT give you is a credit score. That changes all the time, and any third party can only give you an estimate.
RetirEd

RetirEd

July 14, 2022
12:42 pm
JohnnyCash
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RetirEd said
Equifax and Trans Union will mail you a free report and history by on-line or phone request: I did one just four months ago. What they will NOT give you is a credit score. That changes all the time, and any third party can only give you an estimate.
RetirEd  

Both TransUnion and Equifax have a free online reports if you create a profile with them. Equifax will also give you a credit score each month. For TransUnion, I have access to the monthly score through online banking with RBC and Scotiabank. Only Quebec residents get a free TransUnion online score. The TransUnion profile once created allows updating to set fraud alerts and dispute information in your report.

https://my.equifax.ca/consumer-registration/?lang=en

https://secure-ocs.transunion.ca/secureocs/home.html

July 14, 2022
3:21 pm
dougjp
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Thanks for those links. Credit Karma is free and gives a credit score, which if I'm not mistaken is from TransUnion. I put up with their nuisance e-mails telling me to check my credit score, at which time there are some credit card offers.

"Keep your stick on the ice. Remember, I'm pulling for you. We're all in this together." - Red Green

July 14, 2022
3:52 pm
dougjp
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Unfortunately, unlike TransUnion, Equifax DECLINES creating a profile for about 1/4 of the population (certainly way more than 1/4 of seniors). You MUST have a mobile phone and get a text?

What a useless approach to doing business. But "with the times"!, oh boy... Oh sure, someone will come along and tell me to pay a monthly fee for something that will sit in a drawer losing battery power through lack of use, JUST so I can adhere to Equifax's delusional (but HIP!!) perception of current day reality.

"Keep your stick on the ice. Remember, I'm pulling for you. We're all in this together." - Red Green

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