Credit Verify

Credit Verify: Canadian credit score and report access

Credit Verify is a membership-based online service that gives Canadian residents access to their personal credit score and credit report. The platform is operated by Credique, LLC, which identifies itself as the owner of the website, and it works with TransUnion for credit file monitoring. The service is aimed at individuals who want to review their financial standing and track changes to their credit file.

What the membership includes

According to the information on the site, the premium membership provides a set of features that go beyond a one-time score check. The core offering is instant online access to the member's credit score and report after a short registration process. The service also includes daily credit monitoring, which the company describes as TransUnion monitoring the credit file 24/7 and alerting the member to any changes.

Beyond monitoring, the membership includes educational content on how to understand the credit information and how to address negative items. The site also provides guidance on disputing errors or possible fraud on a credit report, noting that many personal credit reports contain errors that can affect loan or credit card approvals.

Rewards and credit simulation tools

The membership includes a monthly reward component: members receive $25 in Reward Dollars each month, which can be used with various brands and local merchants. The site lists examples such as Kate Spade, Michael Kors, Nike, Lacoste, Under Armour, TGI Friday's, Dunkin' Donuts, McDonald's and Subway, as well as salons, dry cleaners, car washes, movie tickets and golfing.

Another feature is a real-time credit score simulator. Credit Verify states that it has collaborated directly with the credit bureau to integrate this tool, and that the simulator shows what will happen if certain actions are taken, rather than a generic estimate.

Pricing and membership terms

The offer details on the site indicate that the risk-free credit score and report are provided as part of the member benefits, and that the member will be billed at a rate of $34.95 per month. The membership can be deactivated at any time. The site presents these features as part of a monthly premium membership.

Corporate and contact information

The website is owned by Credique, LLC. The contact section lists a toll-free number for other provinces, 1 (866) 899 3175, available from 10:00am to 6:00pm EST Monday to Friday. The site also provides mailing addresses for Credique LLC in Miami, Florida, and for Credique Canada Inc. in Squamish and Vancouver, British Columbia. The footer includes a reference to BC, Canada.