Fidem Finance Helping People

Managing Your Credit Score

It’s all about confidence. Fidem Finance gives you the tools to build that confidence with lenders. By using Fidem Finance you can establish a credit history that gives lenders the confidence to lend you more at lower rates. At Fidem Finance we do more than offer financial services – we share our insight with our customers to help them use their credit wisely and to their own advantage.

How to order your credit report and score

To get a free credit report mailed to you, simply fill out the request form, photocopy two pieces of government ID and mail it in. If you want your report right away you can go online and pay a fee to get it. Contact information for Equifax Canada and TransUnion Canada is listed below.

We recommend you alternate your credit history every six months between Equifax Canada and TransUnion Canada. These two agencies collect information from a variety of sources and process it in their own proprietary way. You may find that your credit history varies from agency to agency. You may also find that something is incorrect with one agency’s report. This strategy allows you to keep up to date on your credit history and act accordingly.

Mail:

Equifax Canada
Consumer Relations Department
P.O. Box 190, Station Jean-Talon
Montreal, QC H1S 2Z2

Phone (toll-free):

1-800-465-7166

Fax

1-514-355-8502

In person:

Equifax Canada
5650 Yonge St.,
Concourse Level
Toronto, ON M2M 4G3

Download The Free Credit Report Form

http://www.consumer.equifax.ca/ecm/canada/EFXCreditReportRequestForm.pdf

Mail:

TransUnion Canada
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON L8L 7W2

Phone (toll-free) :

1-800-663-9980

Fax:

289-288-0030

Download The Free Credit Report

https://www.transunion.com/annual-credit-report

In person

Newfoundland and Labrador Consumer Relations
55 Bond St., Suite 202
St. John’s, NL A1C 5W2

Nova Scotia Consumer Relations
6389 Coburg Rd., Suite 305
Halifax, NS B3H 2A5

Ontario Consumer Relations
3115 Harvester Rd., Suite 201
Burlington, ON L7N 3N8

Prince Edward Island Consumer Relations
51 University Ave., Suite 103
Charlottetown, P.E.I. C1A 4K8

Credit scores

Credit scores are not free.

Contact Equifax and/or TransUnion to order your credit score.

Keeping track of your credit history and credit scores is important

The only person who knows what’s really is going on is you, and you are the only person who can make things right.When you keep your credit score up-to-date, odds are you will have better access to credit at better rates.

Beware… There are companies that use “free credit score” offers to get you to contact them. These companies may ask you to sign up for a service to get the “free credit score.” Some sites are set up for criminal activity to get all of your personal information and use it to fraudulently get credit. Be careful. We strongly recommend you work with reputable credit agencies.

Credit scores

Credit scores are not free. Contact Equifax and/or TransUnion to order your credit score.

Keeping track of your credit history and credit scores is important

The only person who knows what’s really is going on is you, and you are the only person who can make things right. When you keep your credit score up-to-date, you will have better access to credit at better rates.

It is also important to note that there are companies that use “free credit score” offers to get you to contact them. These companies may ask you to sign up for a service to get the “free credit score”. Some sites are set up for criminal activity to get all of your personal information and use it to fraudulently get credit. Be careful. We strongly recommend you work with reputable credit agencies.