Do you want to know how to get a Canadian credit score online for free or by mail? Well, you came to the right place on the web. First, you need to know there are two major credit reporting agencies in the world.
TransUnion and Equifax both utilize consumer data on how you borrow from using your major credit card to lines of credit and to financing loans for a new home or car, you are constantly building your credit report monthly.
Your credit score will change significantly when you borrow and pay your debts on time. You want to maintain a score above 700 at all times. This will allow you to get more consumer credit when needed at better interest rates, for example, the last thing you want is to be declined or given a higher interest rate because you didn’t maintain a decent credit bureau rating month to month. Remember, your file number and/or reference number will remain the same, keep it with you when initiating correspondence to Equifax and/or TransUnion at all times.
Maybe in the ’90s, you got away without having a bad record stay permanent on your credit report. Such as a past bankruptcy or collection but now it’s final you will be tallied on how many times this happens and you can’t just say it’s just something that goes away in 7 years, in fact, you may be denied credit forever no matter what. And, never get that platinum American Express card, never let this scenario happen to you, not even once because the penalty is more than a lifetime now and forever as a not forgiven incident and could lead to poor employment prospects when they use backcheck to select the best candidate to hire full-time, part-time, permanent or contract.
Besides checking your credit report for free online by your primary bank institution site or web app you can do so with Credit Karma and Borrowell, both use Transunion and/or Equifax. These places are cool, they allow you to check your credit report and are much more completely free, that’s right at no cost to you and you get helpful advice and tips on how to improve your credit report score every month. Please take the time to learn more about these companies as they simply want your advertising dollar but reward you back by checking your credit report any time of the day, week, or month at no additional cost don’t forget referral usage of their website and the app gets them more advertising dollars that maintain this as a free service.
These checks can be a hard or soft hit on your credit report, so remember when your score goes down it’s because your credit report is being pulled again.
Keep in mind rebuilding a credit score takes time and your history of debt repayment will be held with the credit bureau for up to 20 years so always make sure you pay the minimum payment by the due date on every statement received by mail or e-statement.
Always make sure your credit bureau record is up-to-date when it comes to your personal or business information, checking this data will make your credit report has the current vital information that lenders constantly review to check for qualification and improve your overall score to get approved for that new credit card or line of credit and/or mortgage financing that’s not easy to get.
To get your credit report by mail for example you need to call their toll-free dispute line, for Transunion or Equifax please contact their exclusive toll-free number on the contact us page on their website.
You are entitled to view your credit report for free, visit http://www.transunion.ca or http://www.equifax.ca and/or online with your major institution to view your credit report online free or by mobile app.
The easiest way to get your free credit report is by calling this toll-free number for TransUnion Canada below:
For English or French, call toll-free :
(800) 508-2597
English Hours
Monday through Friday:
8 a.m. – 9 p.m., ET
Saturday through Sunday:
8 a.m. – 5 p.m., ET
French Hours
Monday through Friday:
8:30 a.m. – 5 p.m., ET
For English or French, call toll-free:
(855) 889-4293
Follow the prompts carefully so you reach the TransUnion automated system to get a free Canadian consumer credit report mail to your home/business address on record with them.
The easiest way to get your free credit report is by calling this toll-free number for Equifax Canada below:
Phone
Hours
9 a.m to 5 p.m (ET)
Monday through Friday
Besides getting your free Equifax Canada and score free by phone through their automated system you can join equifax.ca free and get the same product online.
- The free product to view your credit report online does not need your credit card information, be careful when you choose your selection on the Equifax Canada website.
Enjoy your free credit report online or by mail through Canada Post delivery when you choose Equifax Canada.
Remember, you can check your credit report for free every time you get denied credit or want to update/correct any record by launching a dispute which can be done by phone and online by visiting their websites as mentioned above in this consumer article.
