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urban1 · 01-05-2008, 07:54 PM

You cant get your credit score for free. You can get your credit report only mailed to you for free from both Equifax and Transunion. Go to each of their Canadian sites and you can get more info. As mentioned, you can pay to get your credit report and credit score instantly online.

Missed payments will get reported. Payments usually get reports as 30, 60, 90 days late. Normally, a creditor gives 30 days leeway. So a payment wont be reported 30 days late until it hits 60 days late.

If you do get a 30 day late payment it will knock a few points of your credit score. I wouldnt worry about nut dont make a habit of it. Even though you could have an acceptable credit score, some lenders may not like you having a history of delinquent payments.

Negative items can stay on your report for up to 7 years not a matter of months.

01-05-2008, 07:54 PM	#10
urban1 Scoring Winger Join Date: Apr 2007 Exp:	You cant get your credit score for free. You can get your credit report only mailed to you for free from both Equifax and Transunion. Go to each of their Canadian sites and you can get more info. As mentioned, you can pay to get your credit report and credit score instantly online. Missed payments will get reported. Payments usually get reports as 30, 60, 90 days late. Normally, a creditor gives 30 days leeway. So a payment wont be reported 30 days late until it hits 60 days late. If you do get a 30 day late payment it will knock a few points of your credit score. I wouldnt worry about nut dont make a habit of it. Even though you could have an acceptable credit score, some lenders may not like you having a history of delinquent payments. Negative items can stay on your report for up to 7 years not a matter of months. Last edited by urban1; 01-05-2008 at 08:00 PM.