Christine Buemann Mortgage Broker

As you may have already heard, Equifax US was recently hacked. Although they don't anticipate that many Canadians will be affected, it is still a good idea to check. Equifax has set up a site where you can check to see if your information could have been accessed, and if so they will enroll you in a free identity theft program. Check out the details here www.christinebuemann.ca  

One thing that I find many people are not aware of is that every time someone pulls your credit, it lowers your score a little . The amount of times it is pulled in a 12 month span affects approximately 10% of your overall score. The best way to find out your score and check on your credit report is to pull it yourself as that does not lower your score. There are 2 credit reporting agencies in Canada – Equifax and TransUnion. The more commonly used is Equifax, however it is best to check both as there can be a difference in information. Here are a few options with Equifax: Obtain your free credit report ·          http://www.cmhc-schl.gc.ca/en/co/buho/buho_013.cfm# ·          If you choose this option it will be mailed to you. Generally it takes up to 5 business days ·          Pay $11.95 to add your credit score Obtain an online copy of your credi...