Pat Drummond

Pat Drummond is the author of Credit Reports Canada and considered by many to be one of the leading experts on productivity and simplicity in relation to financial planning. He started this online credit score & reporting site to chronicle and share what he’s learned in over 20 years of counseling families and individuals on debt management, obtaining loans and improving credit scores.

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Pat Drummond's Latest Posts

Big tax refunds by paying more taxes on purpose

Filed in blog, Debt Management, Personal Finance by on January 20, 2014 0 Comments
Big tax refunds by paying more taxes on purpose

With the tax season upon us and holiday bills coming in, it is also time for a little reminder about checking your Canadian Credit Report for Free. Ideally Canadians should check their credit score and credit history at least once a year. Personally I like to be informed on changes to my credit rating and […]

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Credit Monitoring: Garbage in – Garbage Out

Filed in Credit Monitoring by on December 10, 2013 0 Comments
Credit Monitoring: Garbage in – Garbage Out

You probably heard this a million times already and you will hear it again, check your credit reports regularly.  Credit card fraud and identity theft is on the rise and you don’t want to be caught with bad credit history. Banks and credit card companies have come together to help teach their clients how to […]

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Building Your Credit As a New Immigrant

Filed in Credit Score by on November 27, 2013 0 Comments
Building Your Credit As a New Immigrant

There are many factors when in comes to deciding to immigrate to Canada and your credit and history is a major component to immigration. Specifically, credit history is not transferable from your native country to Canada. What does this mean for consumers who are looking for a better life in Canada? From a credit point […]

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How can credit monitoring help rebuild credit?

Filed in Credit Monitoring, Credit Reports, Personal Finance by on September 20, 2013 0 Comments
How can credit monitoring help rebuild credit?

If you have previously gone bankrupt and are in the process of getting your credit score back up, you can really help your efforts by regularly monitoring your credit. Using that service allows you to get regular progress reports on how your credit looks. Any good Canadian credit monitoring service (also referred to as Credit […]

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Free Credit Report Scams and How to Avoid them

Filed in Credit Reports by on September 17, 2013 1 Comment
Free Credit Report Scams and How to Avoid them

These days it seems that more and more scammers are sitting in a dark closet some where using only a flashlight and seeking an epiphany on how they can “cash in” with a new approach to credit repair, credit monitoring, and promises that your credit report will be absolutely free if you let them handle […]

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Is there a free online credit report service in Canada?

Filed in Credit Reports by on September 13, 2013 0 Comments
Is there a free online credit report service in Canada?

Credit reports in Canada can be obtained for free both online and through regular mail. However, Canadians really have to understand what the term free means. Credit reports and Canadian credit scores can be obtained for free in many ways. Some offers are limited time trials while others are completely free. Let’s start by understanding […]

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A good credit score doesn’t guarantee approval

Filed in Credit Score by on September 12, 2013 1 Comment
A good credit score doesn’t guarantee approval

If you watch any TV at all, you are sure to have seen the ads promoting you to check your credit score. Most of these ads are American base, which means the advice is not necessarily great for Canadians. Any time you apply for a loan or mortgage, the financial institution you are using will […]

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Why Credit Monitoring is Important?

Filed in Credit Monitoring by on September 10, 2013 0 Comments
Why Credit Monitoring is Important?

If you want to keep your financial well-being in good standing, Canadian online credit monitoring is essential. By frequently checking your credit, or having a monitoring service do it, you add a new layer of protection to your credit. Having a good credit in Canada means improving the chances of being able to buy a […]

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Common Online Schemes That Can Ruin Your Credit

Filed in Credit Reports by on September 10, 2013 0 Comments
Common Online Schemes That Can Ruin Your Credit

Common Online Schemes That Can Ruin Your Credit Canadians is one of the most connected societies in the world and we do just about everything online – from shopping to paying our bills. But as we become more comfortable with technology it increases the chances of our personal information being compromised and our credit score […]

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Canadian Credit Repair – Improve Scores and Avoid Scams

Filed in blog, Credit Counseling, Credit Score by on September 5, 2013 0 Comments
Canadian Credit Repair – Improve Scores and Avoid Scams

Credit Repair in Canada is a topic that continues to remains relevant year after year. This is especially true because Canadians borrow money for everything from small furniture purchases to larger items such as cars and houses. If you are on this site, chances are that you are looking for credit repair information. In Canada, […]

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