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-   -   MilesBuzz: Canada (https://www.flyertalk.com/forum/milesbuzz/1466579-milesbuzz-canada.html)

keitherson Mar 2, 2017 11:19 am

What sites currently give free Canadian credit scores?

Borrowell and I think there was one other?

Cerenity Mar 2, 2017 11:34 am

creditkarma

JJonahJ Mar 2, 2017 2:32 pm


Originally Posted by keitherson (Post 27981082)
What sites currently give free Canadian credit scores?

Borrowell and I think there was one other?

Transunion (primary pulls for Amex/MBNA)
CreditKarma.ca for Transunion, report and score (weekly)
Or directly at Transunion.ca (has an online feature that is wonky but works for some people)

Equifax (primary pulls for TD/CIBC)
Mogo.ca and Ratehub.ca (QC-enabled) for Equifax, score only (monthly).
Or directly at Equifax.ca, with the free 30-day trial (score and report, one and done).

jubberly Mar 2, 2017 3:20 pm


Originally Posted by keitherson (Post 27981082)
What sites currently give free Canadian credit scores?

Borrowell and I think there was one other?

Ratehub gives free Equifax score.

jerry305 Mar 4, 2017 5:42 pm

https://www.tdaeroplan.com/assets/im...d-infinite.png

Patrick at Rewards Canada reports that TD will eliminate the First Year Free offer on the TD Aeroplan Visa Infinite Card after tomorrow (Sunday, March 5, 2017).

http://blog.rewardscanada.ca/2017/03...m_campaign=563

If you have been hemming and hawing about grabbing the TD Aeroplan Visa Infinite Card because the sign up bonus is only 15,000 miles with first year free then this should make up your mind. The new offer that will release on Monday will have the same bonus of 15,000 miles on 1st purchase but will not be first year free anymore! Get it now to get those 15,000 miles for no cost!


P.S.: I've added a link to a screenshot of this offer, before it goes away, just in case TD later "forgets" the First Year Free offer.
https://ibb.co/eGs1ov

kalderlake Mar 5, 2017 9:35 am

It's now saying on the application page "by March 5th".

Thanks for the head-up.

ecgz88 Mar 5, 2017 7:09 pm

GCR just pull off all the TD cards in weekends, there's no $60 rebate now


Originally Posted by jerry305 (Post 27991622)
https://2.bp.blogspot.com/-Ec60LevJx...50.37%2BAM.png

Patrick at Rewards Canada reports that TD will eliminate the First Year Free offer on the TD Aeroplan Visa Infinite Card after tomorrow (Sunday, March 5, 2017).

http://blog.rewardscanada.ca/2017/03...m_campaign=563

If you have been hemming and hawing about grabbing the TD Aeroplan Visa Infinite Card because the sign up bonus is only 15,000 miles with first year free then this should make up your mind. The new offer that will release on Monday will have the same bonus of 15,000 miles on 1st purchase but will not be first year free anymore! Get it now to get those 15,000 miles for no cost!


P.S.: I've added a link to a screenshot of this offer, before it goes away, just in case TD later "forgets" this offer.
https://ibb.co/eGs1ov


MasterGeek Mar 6, 2017 7:29 am


Originally Posted by jerry305 (Post 27974850)
http://www.scotiabank.com/ca/en/imag.../gold-amex.jpg
Crummy news for me (since I applied for it last month)...
Good news for anyone else...

The welcome offer for the Scotiabank American Express Gold Card has gone up from 20,000 welcome points ($200 in travel) to 25,000 welcome points ($250 in travel).

• $250 in travel (increased from $200).
• 4% on gas, groceries, entertainment and dining spend.
• First year free.
• Very low household income requirement to qualify.

I think this is a great deal.

FTFY: 4 points on dining too! Although, I hate it that many restaurants are stingy about taking AmEx :mad:


Cancelled that card recently. I'm hopoing for a new 30K welcome bonus points referral referral offer to reapply again.

I came to fly Mar 6, 2017 10:17 am


Originally Posted by Watkin (Post 27974931)
I've read Scotiabank is a pull from Equifax and, Transunion. Is this accurate?

My application for this card generated a soft pull on equifax. Applied/approved Jan 31. Have't checked TU

Edit...
Equifax - Soft pull
Transunion - Hard pull

jerry305 Mar 6, 2017 11:22 am

(TD AEROPLAN CARDS)

EDIT:
See the wiki at the TD Aeroplan thread.
It's better.

Allie Abby Mar 6, 2017 2:49 pm

u can still get fyf with 15,000 plus another 10,000 till may 4 , just seen it at rfd

jerry305 Mar 6, 2017 2:53 pm

Doesn't appear to be first year free, although $60 net annual fee instead of $120.
I'll edit my earlier post.



EDIT: I recommend reviewing the wiki at the TD Aeroplan master thread instead.

pokee Mar 6, 2017 3:04 pm


Originally Posted by Cerenity (Post 27981179)
creditkarma

I absolutely love Credit Karma. The report is very easy to read, and your score is right there at the top. And Rate Hub is pretty cool, too - I am so pleased to no longer have to deal with Equifax...they're a bloody nightmare!

The two of these make keeping on top of churning sooo much easier!!! :)

pokee Mar 6, 2017 3:07 pm


Originally Posted by JJonahJ (Post 27982034)
Transunion (primary pulls for Amex/MBNA)
CreditKarma.ca for Transunion, report and score (weekly)
Or directly at Transunion.ca (has an online feature that is wonky but works for some people)

Equifax (primary pulls for TD/CIBC)
Mogo.ca and Ratehub.ca (QC-enabled) for Equifax, score only (monthly).
Or directly at Equifax.ca, with the free 30-day trial (score and report, one and done).

Rate Hub does appear to offer a report - although someone more of a limited one than you would get on your Equifax report. It does show your credit inquiries, too. I would advise people against the Equifax trial, as you have to give your credit card info, and then it's a pain to cancel. I had a complete nightmare with Equifax and TD recently, due to a double inquiry. Both pointed the finger at each other, in terms of correcting the issue - so there it sits...forever. BOTH have useless customer service and I hope to NEVER have to deal with either again!!!!

Allie Abby Mar 6, 2017 3:20 pm

still see 1st yr free and i see urs at 50 percent with the same sign up date , maybe its a screwup somewhere , ill try it but still have my card


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