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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.

How Bad Credit Hurts You

When you have poor credit, it’s much harder and more expensive to obtain loans, credit cards, as well as borrow certain goods and services. Find out why some people have bad credit and how it can hurt them.

5 Steps to Get a Good Mortgage Now

With interest rates at historic lows and housing prices dropping, the thought of purchasing your first home – or trading up to a larger one – has likely crossed your mind. Before you sign on the dotted line, however, keep these tips in mind when hunting down the best mortgage deal.

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.

Credit Payment Ratings, or "What Does R2 Mean Anyway?"

You may know that it's important to regularly review your credit report, but do you understand the credit payment ratings that appear on it? Here, we explain the rating system used by the credit bureaus on your credit reports.