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Canadian Mustachians, Are Free Credit Scoring Websites Safe

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Raj:
Does anyone use one of these online free credit score reporting sites

https://www.creditkarma.ca/
https://www.creditsesame.com/free-credit-score/
https://www.ratehub.ca/free-credit-score
https://www.mogo.ca/free-credit-score
https://www.quizzle.com/what-is-quizzle/free-credit-report


If so can you tell me how secure they are, because I could easily imagine a website scamming you by getting you to provide them information, I'm especially hoping you guys know about Credit Karma as it gives Tranunion and Equifax while creditsesasame doesn't specify what it gives, while ratehub and mogo only give you equifax.

Quizzle gives a free VantageScore which is less useful then the others, but the more options you have the better as it means your more likely to catch identity theft.

In addition all five seen new, which does not increase my trust in them, as they didn't pop as options last time I looked for free credit scores a few months ago.

But it could be that they are just more popular with search engine now due to more people using them.

Speaking of Free Credit Scores, did any of you apply using letters or the phone to Equifax or Tranunion before?

I considered it but it always felt really unsafe to send out a letter with my a photocopy of my driver's license?  I feel leery of the idea even though I'm sure many people send it, through Canada post.

sieben:
I've used CreditKarma.
I've been happy with the data they provide any they seem like a fairly established/reputable company.
They're new up here in Canada but I believe they've been operating in the US for quite some time.

Can't really say much beyond that, some others here may have more experience with some of these?

Raj:
I'm glad to hear that sieben, a lot of these did seem to have an established history so I thought they may have come from the US, but glad to get that confirmed.

I'm heavily considering giving CreditKarma at least a try, since I now have at least one confirmation, but I'm hoping that there are other mustachian's who have used the various services as well.

sieben:
These are becoming more and more common. A lot of the banks/credit-card companies are starting to offer them as well.
I've seen both CIBC and Capital One offer free credit checks on their sites.

Raj:

--- Quote from: sieben on December 11, 2017, 04:03:06 PM ---These are becoming more and more common. A lot of the banks/credit-card companies are starting to offer them as well.
I've seen both CIBC and Capital One offer free credit checks on their sites.

--- End quote ---
Interesting, the fact that more companies are starting to offer them does lend credit that more of them are likely true.

It being part of a major bank at least near guarantees that one at least is true.  Although any one associated with a Bank like that probably has a bunch of conditions to be used.  Or you'd have to be a premium customer etc.

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