A lot of people are familiar with words like credit reports and have heard names such as TransUnion in conversation but how many actually check to make sure their's is accurate?
It is important to check your credit reports with all three credit bureaus at least once a year. These reports are free and are available within a few weeks after sending in some basic forms and photocopies of your ID. It is important to check all three very careful to make sure all of your personal and financial information has been recorded accurately. You should also be checking for unauthorized activity to avoid being a victim of identity fraud.
As I've said before I'm still in the early stages of financial wisdom so I did a little research online to expand my brain a little bit.
Requesting your credit reports takes little effort at all. You will need to visit a few sites I will list below and print out some requests forms. Mail these in with some photocopied identification and then just play the waiting game (approximately 3 weeks).
**Note - You can obtain your credit report for free, but your score you will have to pay for if you choose to. When you pay to learn your credit score you will also get a copy of your report online usually for free. I think I will just request mine and check it for accuracy first.
So here are the three companies you want to get in touch with if you are a Canadian:
1) TransUnion :
Consumer Relations Centre
P.O. Box 338 LCD 1
Hamilton, Ontario L8L 7W2
Tel. (toll-free): 1-866-525-0262
Fax: (905) 527-0401
**look carefully on the left hand side for the link
National Consumer Relations
P.O. box 190, Station Jean-Talon,
Montreal, Quebec H1S 2Z2
Tel. (toll-free): 1-800-465-7166
Fax: (514) 355-8502
3)Northern Credit Bureaus:
**here are the two form links you will need
336 Rideau boulevard
Rouyn-Noranda, Quebec J9X 1P2
Fax (toll-free): 1-800-646-5876
So here's more than a helping hand to get you started. I will be printing these forms out this week and sending them so that I can my FREE report, lol. Let's keep our fingers crossed for no unpleasant surprises!