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Can a Collection Agency Do a Hard Pull of My Credit Report?
Can a collections agency request a copy of my credit file? Why is it recorded as a hard pull? Find the answers here.
Can Credit Repair Companies Really "Fix Your Credit"?
Advertisements by companies promising to "fix your credit score" are in newspapers, in your mailbox, and on the internet. How many times have we seen the line, "We can erase your bad credit"? No matter how bleak your credit report may seem, don't believe those statements. There's only one road to take in order to clear bad credit: Create a personal debt repayment plan, stick to it, and be patient.
How Long Does Negative Information Stay on My Credit Report?
Negative information remains on our credit reports for varying amounts of time. Below is a list of various negative marks that can appear on credit reports, and a description of how long it takes for each to fall off.
Who Can See Your Credit Report?
Your credit report contains a wealth of information about you and your financial accounts. It can be worrisome not knowing who exactly can get a copy of these reports. Learn the facts here, and find out who's been viewing your credit report.
Canada Loses a Credit Bureau
Competition is typically a good thing regardless of what market or industry you’re talking about. But in the case of credit bureaus, fewer players may actually be better for Canadian consumers. Here’s why.
What is a Credit Bureau?
There are three credit bureaus (sometimes called credit reporting agencies) in Canada: Equifax, TransUnion, and Experian. These bureaus function as huge repositories of data.
