Credit Reports

Are Credit Checks Done with Mortgage Renewals?

Filed in Credit Reports, Personal Finance by on March 18, 2014 0 Comments
Are Credit Checks Done with Mortgage Renewals?

The Canadian housing market is truly a unique one. House prices have increased multiple times especially in Vancouver and Toronto. Interest rates are still hovering very low with an upward trending pressure. Canadians who have locked in their mortgages for 3 or 5 years have nothing to worry about until renewal time. If you haven’t […]

Continue Reading »

What happens to my credit report when I die?

Filed in Credit Reports by on February 28, 2014 0 Comments
What happens to my credit report when I die?

The topic of this article comes across almost like a stupid question.  What happens to your credit report when you die? You’re dead and I’m sure you’ve long since stopped concerning yourself with your credit report in lieu of more important items. The issue here has more to do with what your family members need to […]

Continue Reading »

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 […]

Continue Reading »

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 […]

Continue Reading »

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 […]

Continue Reading »

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 […]

Continue Reading »

How Long Will Personal Bankruptcy in Canada Stay on My Credit Report?

How Long Will Personal Bankruptcy in Canada Stay on My Credit Report?

There is no easy answer to this question, as there are a number of different factors that come into play when trying to figure out how long a personal bankruptcy in Canada will stay on your credit report. The first thing you need to look at is the length of time you are in bankruptcy […]

Continue Reading »

When is a payment on a loan (mortgage, credit cards) considered late?

Filed in Credit Reports, Personal Finance by on April 18, 2013 0 Comments
When is a payment on a loan (mortgage, credit cards) considered late?

Many of like to be in control and proactively review and take advantage of our credit report.  This is the report that shows all of the past and present loans, credit cards, disputes and issues on our credit ratings over the years.  The reports are used to help determine whether you are capable of paying […]

Continue Reading »

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 […]

Continue Reading »

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 […]

Continue Reading »