Saturday, August 24, 2019
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Get your Credit Report: What are the Methods in Quebec?

Your credit report reflects your financial behavior, your ability to repay and therefore to keep commitments.

It is asked by many creditors to know if you are someone responsible. It may be that sometimes you lose the thread when you have to pay your bills, which is why many people ask for their credit file, to see if it has not been tainted by a payment too late or an oversight.

If you wish to consult your credit report, to verify the information contained there, there are various methods, free or paid, which will allow you to know the state of health of your rating.

Get your credit report by mail, the free method

Get your credit report by mail, the free method

Getting your credit report through the mail is a free procedure. The request can be made by mail, fax, telephone or online. Whatever the method, it is imperative to attach a copy of two official documents that prove your identity, such as your passport, your driver’s license or your health insurance card.

The disadvantage of this procedure is that it can take several days or weeks to receive your credit report. If you have a need for urgent money and you fear that you can not qualify for a loan, know that in case of need you can apply for a loan without a credit check.

Get your credit report on the internet, a paid service

Get your credit report on the internet, a paid service

 

Getting your file is almost immediate, but fees apply. Count between $ 15 and $ 24 to get your credit report online.

Also note that with the application on the internet, you have the possibility to get your credit score at the same time. This is a rating given to you by credit agencies, this rating represents the risk that you represent for lenders compared to other applicants. This is how your credit rating is calculated.

Get your credit report: a strongly recommended procedure

Get your credit report: a strongly recommended procedure

In general, it is recommended that you inquire about the status of your credit file, whether by mail or internet, depending on the urgency of your request. Be aware, however, that ordering your file will have no impact on your credit rating.

If your rating is not good and you have a need for urgent money, there are private companies that provide loans without a credit check. If you are interested in a loan without a credit inquiry, do not hesitate to contact us.

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