What is a good credit score in Canada? First off, some basics. Credit refers to the act of lending money, which tends to mean banks and mortgage lenders in Canada. This often boils down to an assessment of how trustworthy individual borrowers are, which is based on their history of borrowing and repayments, among other things. If this checks out, lenders will look upon you much more favorably. … [Read more...] about How to Check Your Credit for Free in Canada
Equifax yearly free credit report
Note that while you can close a card via secure message or chat without having to call up, typically if you call up, the retentions department may offer to waive the fee for another year or give you miles to keep the card. Even if they don’t do that, many cards can be downgraded to a free version and you’ll get a refund of the annual fee. You typically have between 30 and 60 days from when an annual fee is billed to have it refunded if you close a card though some people have had success getting a fee refunded by cancelling a card for up to 6 months after being billed. … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
You can enter your last name and the last 6 digits of your social security number here to see if your information was accessed. It appears that Equifax is letting anyone enroll in a free year of TrustedID Premier, which is Equifax’s own credit monitoring service. I’m sure they would love it if you love the service and decide to pay for it after the year is over… … [Read more...] about Equifax Hacked: Signup For A Year Of Free TrustedID Premier
No credit card account numbers or log-in credentials were compromised Over 99 percent of Social Security numbers were not compromised. Compromised information included data that Capital One collects at the time it receives credit card applications: Names, addresses, zip codes/postal codes, phone numbers, email addresses, dates of birth, and self-reported income. Credit scores, credit limits, balances, payment history, contact information Fragments of transaction data from a total of 23 days during 2016, 2017 and 2018 About 140,000 Social Security numbers of credit card customers were compromised. These are comprised of those who used their Social Security number as their employer identification number in applying for small business credit cards. About 80,000 linked bank account numbers of secured credit card customers were compromised. It’s important to watch your credit report to ensure that you don’t find any fraud on it. You can check your credit reports from all 3 … [Read more...] about Step Right Up: Capital One Is The Latest To Report A Data Breach
-The Ritz-Carlton card offers 2 nights in tier 1-4 Ritz-Carlton hotels for spending $4,000 in 3 months. It excludes use at tier 5 hotels like the Ritz-Carlton Bal Harbour. It offers $300 in annual airline fee credits, though you need to call to get reimbursed for free and it’s not valid for tickets. It comes with a Priority Pass membership, Global Entry fee refund, and $100 off domestic coach airfare when you purchase 2 or more round-trip tickets on the same itinerary. The card has a $450 annual fee. … [Read more...] about 5/24 Day: 5 Chase Cards Worth Considering That Aren’t Affected By 5/24
Authorized user cards are where things get tricky. The system automatically counts them towards 5/24. Even if you call reconsideration, they will turn you down for 5/24 based on having authorized user cards that were opened in the past 24 months. However if you tell the reconsideration rep that you aren’t financially responsible for the authorized user cards then they will not count them towards 5/24. If you have any issues you can ask for a reconsideration supervisor and tell them that you aren’t financially responsible for the cards. You can HUCA if you are still denied due to authorized user cards. … [Read more...] about It’s 5/24 Day; What’s Your Chase 5/24 Strategy?