Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Paying Your Bills
Profile Image

Question By
steve421

0 Contributions
0 People Helped
what if im canadian?Can you help me?
I am a Canadian citizen. I live in Canada. But I have a dual citizenship and SSN number that I have never used. Can i still apply?
All Responses

Results 1-10 of 14Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next
1 Contribution
154 People Helped
Most Helpful Response

They should ask what country FIRST

Helpful to 154 out of 157 people

YOu can fill out youre email address and they immediately start sending emails but on the 2nd page you can't finish (if you're not american, I get that).

Just ask FIRST what country you are from and tell people not to waste their time trying to sign up.

Reply by
yupcanadian123

1 Contribution
19 People Helped
Helpful to 19 out of 20 people

yup i got to 2nd page and ope in canadian we never get free **** like this so bull****

1 Contribution
106 People Helped

Canada is looking for free credit report

Helpful to 106 out of 117 people

Dear Credit Karma,

Obviously Canadians are looking to use the services of your website.  I would use it on a weekly basis as I have been a victim of identity theft and need to check my report often so I can contact the companies that appear on it.  This is one of the best tools I have to keep my own credit under proper control.  I use another site but have to pay for it.

Could you please work on extending your services to Canada?  I will be the first to sign up as I'm sure other Canadians will do the same.

Thank you.

Reply by
Cmoroz

1 Contribution
3 People Helped
Helpful to 3 out of 28 people

Lol

2 Contributions
45 People Helped

FYI

Helpful to 43 out of 48 people

Equifax is one option for Canadians to access their credit report. It costs $15.50 for the 'credit report' only.  If you want to know what is impacting your credit score the charge is higher. I purchased this a few years back and it didn't exactly meet my expectations. The report indicated 'no credit' which was very confusing to me.

FYI- Equifax and Transunion are American owned companies that provide a service for a fee to Canadians. However, it is not that they are Canadian companies providing service to Canadians at a cost.

http://www.streetarticles.com/credit/history-of-equifax-company-owns-your-secrets
http://www.ehow.com/facts_7152262_owns-credit-rating-agencies_.html

Now that doesn't mean that there aren't physical spaces in Canada that operate under Equifax or Transunion; and it also doesn't imply that they do not employ Canadians. In fact, they have offices worldwide and have posted increasing profits in every country they are in except Brazil (for some reason). That being said they are American companies providing services at a cost to Canadians. Head office for Equifax is in ATLANTA, GEORGIA and employs 650 people. They have offices worldwide and their estimated annual revenue is $2 BILLION.

http://www.streetarticles.com/credit/history-of-equifax-company-owns-your-secrets

Advertising Credit Karma as a free servive seems to be causing a lot of uproar because it has not been extended to Canadians; however this is a great marketing scheme to get the Canadian government to loosen policy restrictions on who has access to the Canadian market and how. Advertising American services on Canadian or International channels is a way of stirring the pot; creating competition.  It wouldn't be the first time our government developed policies that carried benefit for them at the expense of Canadians. You can be sure that our government is benefitting financially in some manner to allow this to continue. 

This doesn't mean that Canadians have stood by and not voiced concerns..."Equifax has been fined by the Federal Trade Commission twice since 1970 for violating the FCRA. Once in 2000 for blocking phone calls from consumers who attempted to learn more about their credit reports, and once again in 2003 for the exact same reason. But, they are not alone in this practice. Experian and TransUnion were both fined for the same thing in 2000".

 http://www.streetarticles.com/credit/history-of-equifax-company-owns-your-secrets

Food for thought...

Reply by
Sharpwaffel129

2 Contributions
14 People Helped
Helpful to 9 out of 9 people

Good into ty. Not nice that they advritise in Canada though.

1 Contribution
130 People Helped

Helpful to 130 out of 156 people

stupid idiots advertise on canadian tv but canadian people cant even register.

BULL**** 

Reply by
NevanNedall

2 Contributions
16 People Helped
Helpful to 13 out of 58 people

It is not their fault if they advertise on a network in the US that happens to run in Canada.

Reply by
Sharpwaffel129

2 Contributions
14 People Helped
Helpful to 5 out of 5 people

Only thing is is that they have the comercail airing on Canadian Television too

1 Contribution
41 People Helped

Get a clue people

Helpful to 41 out of 60 people

I am Canadian and I am smart enough to realize that the majority of the tv commercials I see are aimed at an American audience. It's the price I pay to watch US programs on US channels.  Just because you see the commercial on a tv that is located in Canada, that doesn't make it a Canadian show!!  If you want to see only Canadian commercials, watch CBC, CTV, Citytv or Global. If there are other Canadian channels that I haven't mentioned, I apologize. My point is that unless you want to watch only Canadian channels, you're going to see American commercials 

So do what I did. When you see something that interests you on an American commercial, Google it with the word Canada at the end. "Credit Karma Canada" brought me here. I know now that this company doesn't offer services to Canadians. 

Hey entrepreneurs??  Here's an idea that might work in Canada!! 

Reply by
jinglebts

1 Contribution
0 People Helped

But they advertise that they are now available in Canada now -- saw the ad just last week -- so they should either change their application form or stop making the statement. Argh.

1 Contribution
1 Person Helped
Helpful to 1 out of 3 people

good for you smarty pants

1 Contribution
6 People Helped

Please credit Karma?

Helpful to 6 out of 7 people

Please credit Karma. Please find a way to make this website  work for us canadians i my self is a victum of identity theft and would really like to use your website. This would be veary big!!! for canadians. Please and Thank you

1 Contribution
18 People Helped

Canada Credit Service Companies

Helpful to 18 out of 30 people

There are many credit companies in Canada that offer this kind of service. One off the top of my head is called Canada Credit Fix.

Reply by
cappinufoos

1 Contribution
4 People Helped
Helpful to 4 out of 17 people

This site isnt about fixing your credit dip**** its about finding out what it is. Thanks for the stupid advise

2 Contributions
45 People Helped

US Advertisements on Canadian TV

Helpful to 2 out of 2 people

I'm pretty sure that in todays day and age that it is not difficult to organize what is being advertised to Canadians on American television channels. There is a degree of control and they know where their channels are aired and to which countries. 

Arrogance not ignorance, has led this decision and Canadians know the difference.

1 Contribution
1 Person Helped

Please introduce this service in Canada

Helpful to 1 out of 1 people

I checked out some of the reviews of this service and I really liked what I saw. I was sooo jazzed up about signing up only to be let down by the time I got to the second page... If you dont offer the service to Candadians at this TIME, then I reccommend that you state that earlier on in the application form, that way there is no confusion.. Otherwise, this sounds like a very innovative solution to those of us who are trying to get their credit in order. 

1 Contribution
13 People Helped

Helpful to 13 out of 19 people

The Karma system does not appear to be set up for Canadians to complete the application form.

It does not accept the Canadian Provincial abbreviations or spaces for 6 letter and number combination  postal codes. If we can't apply then we can't use it! Just my opinion.

Results 1-10 of 14Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next

Reply to this Question

Write your response:
Enter Your Comments
 

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.