A credit score summarises aspects of credit history. An application may also involve identity, income and banking information.
A report and score are different
A credit report contains information about credit accounts and payment history. A score is calculated from information in your file. Different scoring models can produce different numbers.
How GetFlexi uses credit information
GetFlexi obtains an Equifax report for every application. Rates range from 24.99% to 34.50% annual interest depending on credit score. The assessment determines whether an offer is made and on what terms.
Read the consent
Understand what you are authorising and how an enquiry may affect your file. This site does not promise applying has no effect on your score. Ask questions before proceeding if the consent is unclear.
Check your information
Reviewing your report helps identify information that may be inaccurate. Follow the credit bureau’s dispute process for errors and keep records of the steps taken.
A fuller assessment
Plaid ID and selfie checks help validate identity. Zum Rails banking insights and statements help inform financial assessment. Passing one check does not guarantee approval.
Explore the Financial Consumer Agency of Canada’s credit resources.