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Credit movie 4: This 2 minute video clip explains where you’ll get your Canadian credit report at no cost as soon as per year! In addition, discover the reason why getting your credit file is important and what direction to go if there are any mistakes.
For more information on your credit ratings and credit ratings please see our various other video clips by going to: http://www.mymoneycoach.ca
If you’d prefer to book a free of charge and private session with one of our credit counsellors be sure to give us a call at 1-888-527-8999 or check us out at http://www.nomoredebts.org
This video clip will touch upon:
Both credit rating companies in Canada, Equifax and Transunion, are required to give you a free of charge credit report when per year only when you request it.
You need to check your credit report yearly for accuracy and fraud because often times you will find errors and also you don’t desire any shocks whenever you are applying for credit, like, home financing or a car loan. If you’ve ever endured your identification stolen, like your personal insurance coverage number, you want to make sure that no-one is opening credit items within name.
If you find any errors on your own credit file pick is always to speak to your creditor to get it fixed. The next step is to let Transunion and Equifax find out about the blunder. You’ll wish to examine back in a couple of months to be sure it is already been fixed.
Now, getting your no-cost credit file you should go to http://www.equifax.ca and http://www.transunion.ca. Both websites has instructions about how to get the credit history free of charge! With regards to the credit reporting agency and your location in Canada you can easily both request your credit report by phone, in-person, through mail as well as on the web! Sometimes, you will need some evidence of recognition. You’ll need to get one credit report from each agency. Some lenders report to Equifax plus some are accountable to Transunion. Asking for a credit report from both companies allows you to get the full picture of what’s happening.
Your credit score will never be a part of your no-cost credit file. Both companies charge a charge for you to get your rating. You are able to pay for it right on their particular web sites. But, if you’d like to learn why you don’t want to pay money for your credit score regularly please see our other videos on at http://www.mymoneycoach.ca.
Video were produced by the amazing knowledge Department in the Credit Counselling community – if you would like learn more about all of us and will be thinking about having monetary literacy workshops at your workplace/organization be sure to e mail us: http://www.nomoredebts.org/credit-counselling-society/consumer-services/credit-budgeting-workshops.html