Your Credit Report
Canadian residents are entitled to request a disclosure at NO CHARGE from credit bureaus.Following,the three credit bureaus are listed: - TransUnion Canada
- Equifax Canada
- Experian Canada (Effective April 17, 2009, Experian will unfortunately discontinue its Canadian consumer credit bureau operations)
Get your Free Canadian Credit Report plus a Free Canadian Credit Score and start monitoring your credit today.
It’s All in the Details
So what exactly does a credit report bureau record? Below you’ll see the type of information found on your credit report that affect your credit score. This information is available to anyone that purchases your canadian credit report.
Credit History
This primary section of your canada credit report lists all your accounts (sometimes even inactive/closed ones) and includes: credit limits, available credit, loan amounts, loan balance, payment history, and terms. Note that accounts in your name, as well as ones where you are an authorized user appear.
Inquiries
This section lists anyone who has acquired your credit report through a transaction. Note that personal inquires do not appear here.
Personal Information
This section lists information gathered from filling out credit applications and includes: name, Social Security Number, current address, past addresses, birthday and employment history.
Public Information
This section lists financial information taken from public records and may include bankruptcies, liens, and child support payments if overdue.
Do they record everything?
The quick answer to this is no. Understanding what they don’t record can be important. For example, it may come as a relief to know that after ten years, bankruptcies are removed from your credit report and will no longer affect your canadian credit score. Inactive/closed accounts can take up to eleven years to be removed, while resolved delinquent accounts or collection items are removed after seven years.
You won’t see your checking account, ethnic background, gender, marital status, medical history, political affiliation, religious affiliation, or savings account on your credit report.
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