• Monty Loree's Credit Score - 805!

    I feel guilty because I'm constantly preaching to people to get their credit reports on a regular basis.

    To be honest, I ordered my TransUnion Canada credit report today which was the first time in 2 years. I haven't applied for credit recently, and haven't really needed to know what my credit score

    I keep getting all of those wonderful credit card offers in the mail each month, so I know my credit must be good.

    I was happy that my TransUnion Canada credit score is 805!.

    I did notice that there were old credit items and inquiries listings on my report, which don't affect my report but really bother me.

    And as well, TransUnion still has listed on my report where I lived 20 years ago in Toronto!! That bothers me for some reason.

    I tried to order my credit report from Equifax Canada today and I can't log on for some reason. They can't confirm my personal information for some reason, even though I've lived at the same address for 16 years!

    I'll have to call them today and get the low down.

    Admittedly, since I last dealt with them, TransUnion Canada has cleaned up their act a little. I like their site a whole bunch more. They seemed to have gotten some of the old bugs out.

    I still don't like the fact that they keep really old stuff on your credit report for 20+ years.

    HEADS UP:
    I did make a mistake when ordering my TransUnion Canada credit report.
    I ordered it without logging into my members area. I should have logged into my members area and then ordered my credit report. This gives you a bunch more information and analysis on your credit report and score.

    I'll have to email TransUnion when they open and get them to move my order over to my member area.

    I just contacted TransUnion and asked them about my purchase.
    They indicated that I purchased a Consumer Disclosure which is different than a credit report. A consumer disclosure is a one time/one view report for $14.99. Luckily I saved the page before I closed out of the browser.

    If I want to reorder my credit report, I will have to pay $23.00 AGAIN to TransUnion in my members area.

    I hate wasting money like that.

    Anyway... I noticed that they've got my old business address as my current address so I'll have to get that fixed.

    There are a few other things that I'll need to have fixed so I guess I'm going to have to do credit report repair on my self.... even though my credit score is 805!

    Even people with good credit need to see their credit scores and credit reports.


 
Add Your Comments:
Fields with * are required
Your Comment Below:
 
Name*
 
Email*
 
Website
 
Code*
 
Enter Above Code
 
Note: Comments are moderated - Spam will be deleted
 
1 Comments
On Mar 4, 2008, Debbie Said:
Monty, why do they report such outdated info? We have stuff from 20 years ago, accounts showing open that we closed 15+ years ago, wrong employers etc. Also, equifax is even worse than transunion. I tried to get this corrected last year, but nothing has changed. Help!
Home Blog Discussion From Credit Cards
Canadian Secured Credit Cards - Major Canadian Banks British Columbia (BC), Alberta, Saskatchewan (Sask), Manitoba, Ontario (Ont), Quebec (PQ), Newfoundland (NFLD), Nova Scotia, New Brunswick, Prince Edward Island (P.E.I.)