Good Morning Everyone,
Every few months we like to send out our newsletter to share some news, a new article, recommendations, or a how-to guide from our site. This is aimed at helping to educate everyone about some of the “nitty-gritty” of credit counselling.
This newsletter is going to focus on how to check your Credit Bureau Report. It is recommended to check your Credit Bureau at least once per year to make sure everything is correct, updated, and to ensure your Credit Score is the highest it can be.
How To Check Your Credit Score?
Checking Your Credit Score In Canada
All Canadian Consumers are able to obtain a copy of their Credit Report Online, by phone, by mail or in person at a select few locations in Canada.
The Credit Bureau will list your personal information such as name, address, phone number and employer information. It will also list your Credit History including all Debts that you have obtained including the balances. It will also note if you have been late on any payments and what month and year it was late. The Credit Bureau will also show all inquiries if you have applied for any Credit, Collection items and will show Public Records including Registered items, Bankruptcy and Judgments.
Credit Bureau’s In Canada
There are two Credit Bureau’s in Canada called Equifax and TransUnion. It is always suggested to obtain both Credit Bureau’s as some Creditors report to one and not the other and may have different information.
To obtain a copy of your Credit Bureau for free, you would have to request this by filling in the Credit Bureau Request forms for each Credit Bureau which are available through their website to print out or we have listed the links below. You would require to send proof of your ID confirmation your identity.
You may also call into the Credit Bureau’s directly with their automated telephone service to obtain a copy of the report.
Equifax’s phone number is 1-800-465-7166
Transunion’s phone number is 1-800-663-9980
With this option, you are normally not able to get a live agent and will have to follow the prompts through your touch tone phone to order your report this way. You must have correct information such as your current address, date of birth and Social Insurance Number. In addition they will also ask other security questions to help verify your identity.
Want to order your credit score immediately? Click here to learn how!
Don’t Like What You See On Your Credit Bureau?
If you find you have a lot of debt on your Credit Bureau that you want to consolidate into one payment to start getting it paid down, or if you have items past due or in collections that you would like to clean up and pay off with a monthly payment plan, please contact us today for a free consult!
Thank You for Your Support!
We are extremely proud to announce that for the third year in a row we have been name Consumer’s Choice Top Pick for Credit Counsellors in Vancouver!
We would like to extend our deepest gratitude to all those that voted and supported us!