This covers a very wide variety of topics, including banking, employment, budgeting, minimizing recurring or popular expenses, advice for large purchases, and more.īe patient with others. Personal Finance Canada Discord: AMAs Person / CompanyĪuto Budget Credit Debt Employment Housing Investing Retirement Taxes Meta Banking Misc Estate Insurance Rulesġ) Posts must be about personal finance in Canada The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news and discussions, and a variety of similar topics. I didn't see any mention regarding guarantees and penalties if there is fraudulent usage when a freeze is in place, perhaps that was implemented outside of the text of the law.This subreddit is a place to discuss anything related to Canadian personal finance. PROTECTING CONSUMERS' CREDIT." to read the specific text, if you're interested.ĭue to the specifications therein, that's why adding/removing a "Freeze" is a free, but somewhat annoying process, but the ease and cost of using a "lock" is up to the whims of the CRA. They will have three business days to comply with a request if received via mail. The law is effective Septemat which point the credit bureaus will no longer be able to charge for a freeze and a request must be completed within one business day if made online or via phone.
Transunion credit freeze prompts reddit free#
In 2018 the Economic Growth, Regulatory Relief and Consumer Protection Act, was passed which includes a provision to preempt state laws replacing the large variation of state laws with a federal one that requires all credit freeze to be free of charge. There's your edit, but there's also the fact that the service identified as a "credit freeze" is described and regulated by federal law: If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.Įnjoy the Wiki? Join the community in our main reddit! They are required to keep records that allow them to list that negative information on your report. As much as credit card companies, loan companies, banks or debt collectors can tarnish your credit and financial freedom with a single keystroke, the USA has laws for the consumer - YOU! As much as a car repo company wants to list a $8000 debt on your report it is your legal right to challenge the validity of that debt and the bureaus themselves.
Transunion credit freeze prompts reddit mod#
No academic studies / surveys without approval - All surveys / studies must have prior r/credit mod approval and must have IRB approval. This includes buying tradelines, CPNs, etc.
No promoting fraud - Posts or comments encouraging others to commit fraud will be removed and will result in a permanent ban. Attempts to work around automod will result in a permanent ban.
Please see the wiki to see the general r/credit consensus on using such companies. No credit repair company / services posts - No posts asking about hiring a credit repair company or service are allowed. Violation is an immediate and permanent ban. This sub-reddit is for sharing information directly in the community. No Self-promotion - No self promotion of your services, products, videos, etc. No Link Shorteners/Referrals - Any use of a link shortener or referral will result in an immediate and permanent ban. Insults, slurs, name-calling, going off topic, personal attacks, etc. You will not be welcome in this sub if you attack others. Don't Shame Others / Name-calling / Personal Attacks - Everybody makes mistakes in their life and this platform is here for us to work together to correct them.Please keep these general guidelines in mind when participating in r/CRedit
Consider checking out these reddits to do just that! Getting your credit in order sometimes requires you to also get a reign on your life overall.
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