A credit report is a collection of information held at one or more Canadian credit bureau service providers. Banks and other businesses that lend money access this information with your consent. This information is compiled into a single report that helps lenders determine if you are a good financial candidate.
Your credit report is referred to when you apply for credit and includes the following information:
Your identification: name, address, previous address, Social Insurance Number, date of birth
Credit history: including credit accounts and loans with retail stores, banks, finance companies and others; credit limits and balances; on-time and late payments
Public records: bankruptcies, court rulings, registered items
Inquiries: including lenders you've recently sought credit from and your employers
It is a good idea to review your credit report once a year. If you discover any inaccurate information, it can be corrected or removed by contacting the Credit Bureau directly.
Review your Credit Report
Visit these websites to find out more about your credit report or request a copy of it.
By law, your credit report does not include certain personal facts such as race, religion, health status and political affiliation.