Financial Consumer Agency of Canada
www.fcac-acfc.gc.ca
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Understanding Your Credit Report and Credit Score
Equifax's Credit Report
Note: The examples of credit report and credit score documents shown are based on samples provided by the credit-reporting agencies cited. FCAC has reproduced portions of the samples, adding notes to explain the content of a typical credit report or credit score document. The content of the report examples is fictitious and is provided for information and illustration purposes only.
CONSUMER RELATIONS P.O. BOX 190 STATION JEAN TALON
MONTREAL QUEBEC H1S 2Z2
JANE DOE
10 PLEASANT ST.
TORONTO ONTARIO
M2N 1A2
CONFIDENTIAL INFORMATION
NOT TO BE USED FOR CREDIT PURPOSES
RE: EQUIFAX UNIQUE NUMBER: 3140123054
Dear JANE DOE,
Further to your request, a disclosure of your personal credit file as of 03/27/01 follows:
PERSONAL IDENTIFICATION INFORMATION:
The following personal identification information is currently showing on your credit file. Your date of birth and social insurance number have been partially masked to protect your personal information (ie: Birth Date/Age: 01/xx/60, Social Insurance Number: 123-xxx-789).
Check to see if your personal information is correct.
DATE FILE OPENED: 07/04/92
NAME: Doe, Jane
CURRENT ADDRESS: 10 PLEASANT ST. TORONTO,ON
DATE REPORTED: 12/96
PREVIOUS ADDRESS: 2 AVENUE ST,TORONTO,ON
DATE REPORTED: 12/93
PRIOR ADDRESS: 3 DU BOULEVARD,MONTREAL,PQ
DATE REPORTED: 07/92
BIRTH DATE/AGE: 10/XX/1968
SOCIAL INSURANCE NUMBER: 123-XXX-789
OTHER REFERENCE NAMES:
CURRENT EMPLOYMENT: EDITOR
PREVIOUS EMPLOYMENT: TRANSLATOR
PRIOR EMPLOYMENT: CHEF
OTHER INCOME:
An unusual increase in the number of inquiries can have a negative influence on your credit score.
Make sure that you have given all of the companies listed here permission to see your credit report information.
Call these companies at the phone numbers listed if you cannot remember doing business with them.
CREDIT INQUIRIES ON YOUR FILE:
Following is a list of Equifax members who have received a copy of your credit file for credit granting or other permissible purposes. Addresses are available by calling Equifax at 1-800-465-7166.
| DATE | REQUESTOR NAME | TELEPHONE |
|---|---|---|
| 03/02/00 | CANADA TRUST MTG | 416-361-8518 |
| 02/22/00 | TD BANK | 800-787-7065 |
| 01/16/00 | BQE NATIONALE | 450-677-9122 |
The following inquiries are for your information only and are not displayed to others. They include requests from authorized parties to update their records regarding your existing account with them.
| DATE | REQUESTOR NAME | TELEPHONE |
|---|---|---|
| 03/23/00 | SOC ALCOOLS (not displayed) | 514-873-6281 |
| 03/22/00 | CANADA TRUST MTG (not displayed) | 416-361-8518 |
| 02/16/00 | CMHC SCHL (not displayed) | 888-463-6454 |
| 01/16/00 | AMERICAN EXPRESS (not displayed) | 416-123-4567 |
Your own inquiries do not have any effect on your credit score.
CONSUMER INTERVIEWS AND OTHER SERVICES:
You contacted our office in 12/98 to request a review of your credit file.
CREDIT HISTORY AND/OR BANKING INFORMATION:
The following information was reported to us by organizations listed below.
Information is received every 30 days from most credit grantors. All account numbers with your creditors have been masked to protect your personal account information and only the last three digits will be displayed (i.e.: xxx...123).
Check to see if your car loan information is correct.
Check your payment history. "I1" means your last reported car loan payment was made as agreed.
GMAC last reported to us in 01/01 rating your installment account as I1 , meaning paid as agreed and up to date. The reported balance of your account was $1000. Your account number: xxx...345. The account is in the subject's name only. Date account opened: 04/99. Credit limit or highest amount of credit advanced: $4400. DATE OF LAST ACTIVITY meaning the last payment or transaction made on this account was in 12/00. Additional comments: auto loan. Monthly payments.
Check your payment history. "R2" means that you made a credit card payment 30 to 60 days after the payment due date.
CANADA TRUST MC last reported to us in 01/01 rating your revolving account as R1, meaning paid as agreed and up to date. At the time the reported balance of your account was $285. Your account number: xxx...234. Date account opened: 06/99. Credit limit or highest amount of credit advanced $2000. DATE OF LAST ACTIVITY meaning the last payment or transaction made on this account was in 12/00.
PREVIOUS PAYMENT STATUS:
30 DAYS: 1 time (s) account previously R2 meaning one payment past due
Check to see that information about any public records and collections is correct. Note the dates, since this information is usually removed from your credit report after 6 to 10 years, depending on the laws of the province in which you live.
PUBLIC RECORDS AND OTHER INFORMATION:
The following information was reported to your file on the date indicated.
A COLLECTION was assigned in 10/96 to Commercial Credit by Transamerica Financial in the amount of:$2675. Date reported paid: 07/97. Collection status: PAID. DATE OF LAST ACTIVITY was in 04/96. Collection agency reference number: 222222.
A JUDGEMENT was FILED IN 01/96 in Min Govt Serv. Plaintiff and/or case number: Chrysler Canada 4444. Defendant/other info: joint with Dossier. Amount reported: $7525. Status reported: Satisfied. Date satisfied: 09/97.
Check to see that information about any reported bankruptcy is correct. Check the discharge date, since this information is usually removed from your credit report after 6 or 7 years, depending on the laws of the province in which you live.
If you gave the credit-reporting agency a statement to explain a particular situation, it will be included here.
A BANKRUPTCY was FILED IN 08/97 in SC Newmarket. Case number and/or trustee: 5555555 SYNDIC & ASS. Liabilities: $250000.Assets: $8900000.Item classification: individual. Information reported on: The subject only. The item is reported as: DISCHARGED. DATE SETTLED: 05/98. Additional comments: absolute discharge from bankruptcy.
THE CONSUMER PROVIDED A PERSONAL STATEMENT to us in 12/98. The statement has been recorded as follows:
RE: BANKRUPTCY, CONSUMER DECLARED BANKRUPTCY DUE TO DIVORCE This statement is to be removed from the file in: 12/04.
Source: Equifax
