I Just checked my credit score

[jwslam]

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RBC gives you a free report every month with a banking package.

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I use the free BorroWell and RBC credit checks. I use it mostly to check on identify theft.

"Free"... As far as I know, RBC has no way to waive monthly account fees with minimum balance
It looks like you're forced to having your mortgage and investments with them to only get the mid-grade account fee waived

http://www.rbcroyalbank.com/products...ct-rebate.html

[ExtraSlow]

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"Free"... As far as I know, RBC has no way to waive monthly account fees with minimum balance

Maybe "included with your fees" is a better way to say it. Just like the "free" cheques etc.

[killramos]

Pretty sure I was very clear with my statement as quoted.

Nothing is ever free.

[ExtraSlow]

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Pretty sure I was very clear with my statement as quoted.

Nothing is ever free.

I understood what you meant, but I clarified.

Checked my score through RBC. 740. Says I have no mortgage, but it appears my Mortgage/HELOC combo is showing up in the regular credit account section. That's probably bringing me down a bit, as it's a big number.

Also weird, it says it remembers credit inquiries for the last six years, but it's showing credit inquiries from 2004 and 2009. I don't understand that.

And thirdly, seems they have a typo in my address. Does that matter? If I wanted it fixed I guess I'd chat with Transunion?

[Xtrema]

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I'll answer my own question. I googled "free trial equifax canada" and it took me to a page on their site with an offer for no payment for 30 days and then 19.99 per month thereafter. Required credit card info that it didn't charge so all good.

It gave me a complete credit report including all accounts open and closed in last 6 years and all credit checks that have transpired during that time also. Records are accurate down to the month!

I had a bit of a scare today when dealing with my financial institution for their pull of the report from Equifax which was done last week, while redacted, showed numbers related to accounts that didn't match my knowledge of my finances: and I am pretty much on top of things. As it turns out, certain accounts types are reported differently, specifically charge cards that don't have a limit show the historical maximum balance you've ever had as the limit on the account.

At any rate, excellent score, everything is good, and I see that HBC cards, no matter how long you have had them for, don't automatically close - yay for maintaining a long credit history.

It's also worth noting that Equifax uses the most vague of terms to talk about your credit history/score/report/algorithms. The same voodoo applies to your score. Case in point, my score actually went up a few points since last week despite a hard credit check at my financial institution. Go figure.

It's unfortunate that they charge $19.99 for this service. I am not paranoid enough to maintain a subscription, but would totally do it for under $5/month.

I used to subscribe to Equifax for I believe $100/year. Monthly alert e-mail and include ID theft insurance.

Then RBC have credit monitoring and ID theft insurance is already included in home owner policy and Equifax drop the ball on the hacks and shit. So I stopped paying them.

[ee2k]

Here's some fuckery. I signed up to Equifax's service. High score, as expected and as I saw it with my bank when I renewed a mortgage. I kept the subscription. My score went down by 130 points a month later, I received a notice to that effect. Re-pulled my credit report and yes, lowered by that much. And now some 10 days later, score went up by 150 to be even higher than before.

[syb65]

It’s a game to keep you interested. Like a “Facebook” kind of feeling.

[Twin_Cam_Turbo]

I’m still stuck at 864 on my quest to hit 900, but I have a question regarding credit checks? I just noticed Ford Credit Canada pulled a credit history check on me on March 4, 2017 which I believe I never authorized or requested in any way. Are there any legal ramifications if this is the case? Could this have affected my credit in any meaningful way?

[A790]

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Are there any legal ramifications if this is the case? Could this have affected my credit in any meaningful way?

lol

[ExtraSlow]

What damage have you suffered as a result of this? None.

[firebane]

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I’m still stuck at 864 on my quest to hit 900, but I have a question regarding credit checks? I just noticed Ford Credit Canada pulled a credit history check on me on March 4, 2017 which I believe I never authorized or requested in any way. Are there any legal ramifications if this is the case? Could this have affected my credit in any meaningful way?

Most likely a soft inquiry which has zero effect.

[Masked Bandit]

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Most likely a soft inquiry which has zero effect.

This. Soft hits don't impact your score in any way.

[CompletelyNumb]

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Mogo, borrowel, and creditkarma. I use all 3 for shits and giggles.

My score dropped 70 points this month, because an old prepaid card (peoples trust) shut down their card program in November. Card officially terminated end of November, secured funds mailed back. Appears now not only as a closed account, but late payment as well. Report shows:
November: good
December: good
January: 60 day late.

The credit card company fixed their mistake BTW. Score back up to normal.

[botox]

878 on credit karma for me. I'd probably get a better score if I paid my bills on time. I never carry over balances but once in a while I'll forget and make a late payment. Does overpaying bills do anything? I do this sometimes if I know I'll be making some big purchases.

[ExtraSlow]

Hey, just looked at mine and there's some really ancient stuff in there. Like 2004. Is that stuff in there but doesn't matter, or what?

[cam_wmh]

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878 on credit karma for me. I'd probably get a better score if I paid my bills on time. I never carry over balances but once in a while I'll forget and make a late payment. Does overpaying bills do anything? I do this sometimes if I know I'll be making some big purchases.

Yeah this is interesting. If I pay my internet bill a couple months late, do I get dinged? I choose NOT to go on auto-pay with them, because they've effed things in the past.

Is that ultimately hurting my credit score?

[ExtraSlow]

Also, how big of a deal is it to check the two or three credit reporting companies independently? Do they have different stuff?

[ThePenIsMightier]

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Yeah this is interesting. If I pay my internet bill a couple months late, do I get dinged? I choose NOT to go on auto-pay with them, because they've effed things in the past.

Is that ultimately hurting my credit score?

Ummm... Yes.
That's kind of the definition of credit risk, isn't it? If you had two friends asking to borrow money from you. One always pays back "a couple months late" and the other always pays on time or early.
Which would you prefer to lend your money to?

[arcticcat522]

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Ummm... Yes.
That's kind of the definition of credit risk, isn't it? If you had two friends asking to borrow money from you. I've always pays back "a couple months late" and the other always pays on time or early.
Which would you prefer to lend your money to?

It will only matter if the company you pay late reports it to the credit bureau.

[cam_wmh]

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It will only matter if the company you pay late reports it to the credit bureau.

Thanks. Exactly, why I asked.