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Free TransUnion credit score report from Tangerine
August 4, 2023
6:26 am
Alexandre
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For Tangerine credit card holders, it is now possible to see TransUnion credit score. Tangerine app screenshot:

Screenshot_20230804-072112.png

August 4, 2023
8:20 am
Dean
Valhalla Mountains, British Columbia
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.
Thanks for the heads-up, Alexandre ❗

TransUnion credit scores are also available Free for Capital One CC holders, as well.

Maybe I should use my Tangerine CC account to check my TransUnion score (865) through there. In theory, it should be the same ... but maybe Not. sf-smile

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

August 4, 2023
10:01 am
Alexandra
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Alexandre said
For Tangerine credit card holders, it is now possible to see TransUnion credit score. Tangerine app screenshot:

Screenshot_20230804-072112.png  

Ha, I beat you by ONE point! 851. Not as good as Dean's though. sf-laugh

August 4, 2023
10:15 am
cgouimet
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We can all get TransUnion (867) scores via Credit Karma and Equifax (851) scores via Borrowell.

CGO
August 4, 2023
10:42 am
COIN
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What are the benefits of a high credit score?

August 4, 2023
10:51 am
lhsaid
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Alexandre said
For Tangerine credit card holders, it is now possible to see TransUnion credit score. Tangerine app screenshot:

Screenshot_20230804-072112.png  

I have Tangerine Credit Card but I can't see how to get the credit score in the app !

August 4, 2023
10:53 am
cgouimet
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COIN said
What are the benefits of a high credit score?  

For those of us without debts, bragging rights.

For those with debts, the ability to get more debt ...

sf-laughsf-laughsf-laugh

CGO
August 4, 2023
10:55 am
cgouimet
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Anyone @ 895-900?

CGO
August 4, 2023
11:13 am
cgouimet
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cgouimet said

For those of us without debts, bragging rights.

For those with debts, the ability to get more debt ...

sf-laughsf-laughsf-laugh  

A bit more seriously, a 'higher' credit score is kinda necessary to sign a lease nowadays and to get the best possible borrowing rates. It also seems some FI's want 'higher' credit scores for new deposit account holders. I just can't define 'higher'...

CGO
August 4, 2023
12:58 pm
COIN
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My house insurance guy said a high credit score reduces your house insurance premiums. True? False? Maybe?

August 4, 2023
1:11 pm
Alexandre
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lhsaid said

I have Tangerine Credit Card but I can't see how to get the credit score in the app !  

Select More in the bottom right corner of the main screen, and in the new window one of tiles in the left bottom corner will be "Credit Score."

August 4, 2023
1:45 pm
cgouimet
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Alexandre said

Select More in the bottom right corner of the main screen, and in the new window one of tiles in the left bottom corner will be "Credit Score."  

I was an early TNG MC client. Within 6 months I had 3 different numbers because they kept getting compromised. I terminated my account.

I've had credit cards since 1972. The TNG MC was the only one ever compromised. I'm not getting another one ...

CGO
August 4, 2023
2:30 pm
Dean
Valhalla Mountains, British Columbia
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COIN said

My house insurance guy said a high credit score reduces your house insurance premiums. True? False? Maybe?  

    'True' ⬆

At least for my wife & I, through Intact Insurance.

Others may differ,

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

August 4, 2023
2:39 pm
cgouimet
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Dean said

    'True' ⬆

At least for my wife & I, through Intact Insurance.

Others may differ,

    Dean

  

I can see why/how loan/mortgage rates could depend on credit rating. But, why insurance premiums? Trying to understand the logic...

CGO
August 4, 2023
2:39 pm
Dean
Valhalla Mountains, British Columbia
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Alexandra said

Ha, I beat you by ONE point! 851. Not as good as Dean's though. sf-laugh  

The TransUnion credit score chart ranges from 300 to 900. Scores between 700 & 800 are considered quite Good, and scores above 800 are considered Excellent.

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

August 4, 2023
5:15 pm
semi-retired
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857 I can live with that.

August 4, 2023
6:04 pm
COIN
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cgouimet said

I can see why/how loan/mortgage rates could depend on credit rating. But, why insurance premiums? Trying to understand the logic...  

Apparently, it shows you are a responsible person who takes care of your property.

August 4, 2023
6:11 pm
cgouimet
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COIN said

Apparently, it shows you are a responsible person who takes care of your property.  

Apparently. Hmm. And then there's my neighbour...

CGO
August 4, 2023
6:16 pm
Dean
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cgouimet said

I can see why/how loan/mortgage rates could depend on credit rating. But, why insurance premiums? Trying to understand the logic...  

Good question ⬆

I worked in the insurance business for a good number of years, as a Commercial Underwriter. I'll try to explain . . .

Insurance companies have always wanted to know what 'Type' of person/company they are about to insure (or are insuring). By adding your credit rating to their knowledge of you, they get a much better picture of 'Who' you are.

In short ... if you where an insurance company, would you want to insure a Financial Deadbeat?

Hope that helps,

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

August 5, 2023
4:09 am
mordko
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lhsaid said

I have Tangerine Credit Card but I can't see how to get the credit score in the app !  

Make sure you have the latest update of the app.

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