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

Canadian debt load puts pressure on Credit Scores

Filed in News by on December 3, 2012 0 Comments
Canadian debt load puts pressure on Credit Scores

Despite warnings from Bank of Canada Governor about the unstable consumer debt load and the Canadian financial outlook, Canadians are piling on the debt. On average, the total Canadian debt load rose to $26,221 (excluding mortgages) in June of 2012. This is the highest amount ever since records have been tracked (since 2004). The rise […]

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How to obtain a free Credit Report from TransUnion Canada

Filed in Credit Reports by on December 1, 2012 7 Comments
How to obtain a free Credit Report from TransUnion Canada

Canadians can obtain a credit report at no charge from TransUnion. How do I get my credit report for free?  In Canada there in 2 ways: By Mail/fax By Phone Free Canadian Credit Reports and History –  by mail or fax Download and complete the free Canadian credit bureau request form. For Quebec residents download this […]

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How to get a free Credit Report Equifax Canada

Filed in Credit Reports by on December 1, 2012 23 Comments
How to get a free Credit Report Equifax Canada

One of the frequently asked questions for us is “how do I get my free credit report?” Canadians can obtain a credit report at no charge from Equifax Canada in 2 ways: By Mail By Phone Free Canadian Credit Reports and History –  by mail or fax Download and complete the free credit report request […]

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How your credit score affects you

Filed in Uncategorized by on November 27, 2012 0 Comments

What is a credit score? A credit score is very different from your credit history. A credit score in Canada is a 3-digit number that is based on a mathematical formula developed by credit reporting agencies. In the United States, it is generally referred to as a FICO score. The credit score is a rating […]

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Debt Management: 4 options to bury the debt

Debt Management: 4 options to bury the debt

Debt problems can have a massive impact on one’s life. Many times when people refuse to accept that they have debt problems the strain put on their relationships can become the catalyst that causes the crack in their professional and personal relationships. The longer they try to ignore the problems the more severe and out […]

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Improve your credit rating while in debt counselling

When going through a debt management plan (debt counseling) usually all un-secured credit gets enrolled into the plan. However, in some cases, loans which are close to being paid off will not be added.  If they aren’t continue to make the minimum payments on them as you wrap up your credit counselling. Let’s say you […]

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