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

Who Has Access to Your Credit Report and Why?

Filed in Credit Reports by on April 17, 2013 0 Comments
Who Has Access to Your Credit Report and Why?

In Canada, there is something called a credit disclosure rule, which basically states that all Canadians have free access to their credit report. Unlike our US counterparts, Canadians are eligible for free annual credit report as many times per year as they wish.  Many individuals take advantage of this offer and they check their credit […]

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Identity Fraud Can Happen to Anyone

Filed in Personal Finance by on April 3, 2013 1 Comment
Identity Fraud Can Happen to Anyone

e-Commerce has come a long way since the early 90s, when only a handful a people were aware of online shopping. Most of the Internet usage was for informational research and connecting with friends and family through online chatting. By 2001, According to Statistics Canada, there were 13.4 million online orders made by 2.2 million […]

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Yikes! Late tax filings now impact your Canadian Credit Score

Filed in Personal Finance by on April 1, 2013 0 Comments
Yikes! Late tax filings now impact your Canadian Credit Score

The tax filing deadline for 2013 is April 30th and it is fast approaching. Did you start doing your taxes yet? Canadians are about to get a little more incentive to file taxes on time this year. Yesterday, the Government of Canada quietly passed a bill that will allow them to report any late tax […]

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Avoid getting ripped off, check your CANADIAN credit score report the right way!

Filed in Credit Reports, Credit Score by on March 26, 2013 0 Comments
Avoid getting ripped off, check your CANADIAN credit score report the right way!

One of the most frustrating things about credit score reports is that nobody seems to know where to get one. The right one that is! This is especially true for Canadians who simply want to know if they have good or bad credit scores. There are many sites offering reports, but you have to avoid […]

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Debt Counseling Services can Improve Credit Scores

Debt Counseling Services can Improve Credit Scores

Are you finding it difficult to stay ahead of your debt? If your debt is becoming a problem then you might want to look to debt counseling services. These services will provide you with many ways to manage your debt and they can help you overcome your financial problems with expert advice. Don’t let your […]

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Hire a Financial Advisor for $14.95 Canadian!

Filed in Credit Reports by on March 22, 2013 0 Comments
Hire a Financial Advisor for $14.95 Canadian!

A good financial advisor will help you identify your goals, set an overall financial plan and figure out how to manage your money in the best way possible. It takes time and effort to determine budgets, investments and how you can secure a good financial health. Keeping healthy means paying attention to your financial profile […]

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Do you have late payments?

Filed in Credit Reports, Debt Management by on March 21, 2013 0 Comments
Do you have late payments?

This is an important question that Canadians should ask themselves from time to time. Late payments are simply pre-arranged payments that are made past their due dates according to the loan rules. These rules are stated during a loan application and are considered accepted when the person receives a loan. Credit cards, mortgages and car […]

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The Truth About Free Credit Reports

Filed in Credit Reports by on March 17, 2013 1 Comment
The Truth About Free Credit Reports

How many of us have searched for anything online that includes the word “free”? If you have, you will probably have pulled up a zillion spammy sites that offer nothing but links to loans, insurance and medicine.  Naturally we all like to save a bit of money where we can and when we do, it […]

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Canadian Credit Score – Easily increase your score by 100 points

Filed in Credit Score by on March 15, 2013 0 Comments
Canadian Credit Score – Easily increase your score by 100 points

A credit report contains information about every loan, payment history, debts and even whether you pay your taxes on time – OK maybe not so much the taxes. It does however, show creditors up to 10 years of financial data including declared bankruptcies, collections, debt counseling and legal actions taken against you. Credit bureaus such […]

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Hackers gain unauthorized access to financial data of celebs!

Filed in News by on March 14, 2013 0 Comments
Hackers gain unauthorized access to financial data of celebs!

Having worked many years with credit reports, I cannot stress more about how much personal data is collected in a credit report. Recently credit bureaus in U.S. have been making a lot of headlines because hackers have somehow obtained copies of credit reports of people like professional golfer Tiger Woods, former presidential candidate Mitt Romney, […]

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