Credit Reports & Scores
It is important to have a good credit history and credit score.
In almost every case, lenders will review your credit histoory and
score when you ask for a loan or credit. Landlords may use your
credit history to decide whether or not they will rent to you. If
your credit history or score is poor, a lender may refuse to give
you a loan or you may have to pay a higher interest rate.
Checking your credit report is also a good way to see whether you
have been the victim of identity theft. By checking your credit
report, you will be able to see if any unauthorized credit accounts
have been opened in your name.
Your credit report contains personal information such as your social
insurance number, birth date, address and previous addresses, payment
histories, a list of your accounts, and public record information
like bankruptcies, foreclosures and tax problems.
In addition, your credit report lists inquiries made about you
over the last several years, and whether or not you were granted
credit. Your credit history, summarized by a credit rating, is essentially
your financial reputation. It allows banks, employers, and others
with whom you are making financial agreements, to review how you’ve
dealt with your financial obligations in the past.
You achieve good credit when you prove you can responsibly manage
the debt you incur. This means paying your bills on time and staying
within your credit limit. Your credit report is the official document
that contains this information.
If you would like to know what your credit report rating is, you
can request a credit report online at:
- To request a free credit report (by mail), click
here to download the request forms, or
- Get your credit score + current credit report for $23.95
CDN instantly online
- See your personal credit report for $15.50 CDN
- website: www.equifax.ca
- Get Your Free Credit Score & Free Credit Report.
- With your privacy protection plus trial you'll receive:
credit profile and credit score, credit monitoring updates,
and identity theft insurance.
Free 3-in-1 Credit Report With Free Trial!
- Get instant online access to your Consumer Disclosure
for a fee of $14.99
- Simply fill out a form and mail your request for a free
copy of your Consumer Disclosure.
- Check and dispute inaccuracies
- website: www.transunion.ca/