I received the good news is that I have EquiFax for long period of time to check my credit bureau status. The better news is it is Free. The really bad news is the reason why. I was part of the Desjardins data-breach so now I am being “compensated” for this by getting Free Equifax.
Previously, I had access due to Home Depot having a data-breach. Surprisingly, my account with Equifax still existed (with the same password?). My access was granted for a long period of time, and I did notice a few things when I logged in.
- My first name is still incorrectly written in my report. This mis-spelling makes me wonder how accurate this report is. I tried to have it changed a while ago, but it never happened.
- I have a lot of Desjardins credit vehicles on my report. Makes me think someone DID create them and was simply waiting to use them? Will try to cancel all of those.
- A very large credit vehicle that should be on my report is not. That is interesting as well.
I am glad to see I have such an excellent Credit Rating, but it means nothing to me. It is most likely inaccurate, and unless I plan on buying another house I don’t really need it. The other danger is that given my Personal Info is compromised, any perpetrator could get away with a lot of money fraudulently.
Interesting that 57% of Canadians have Excellent Credit Ratings? That seems a little skewed, in terms of a data set. Either that or the actual term “excellent” has little or no meaning?