Common menu bar
Breadcrumb
Frequently Asked Questions
[ New Search ]
Question:
How can I get more information about my credit report?
Answer:
When you apply for credit with a company, you are usually asked to give your consent to that company to obtain, verify and use the contents of your credit report. Once you have given your consent and signed a credit agreement, the company can send information about your payment history to the credit bureaus. This information becomes part of your credit history. Your credit report paints a picture of your past and current credit situation and how well you pay back your debts. A consumer credit report contains the following type of information:
- personal identification, such as your name, address and birth date;
- a list of all of the individuals or organizations who have requested a copy of your credit file in the past three years;
- information about secured loans, bankruptcies, judgments and/or third-party collections;
- details of your credit transactions and whether your payments are being made as agreed. These items are evaluated by the credit grantor and assigned a rating based on North American industry credit-granting standards;
- at your request, a brief statement can be added to your file about any information contained in the file.
It is very important that this information be accurate. To make sure it is, ask for a copy of your credit report by contacting the two credit-reporting agencies listed below.
Resource(s):
-
Equifax Canada
Consumer Relations Department
Box 190, Jean Talon Station
Montreal, QC H1S 2Z2
Tel: 514-493-2314 or
Toll-free: 1-800-465-7166
Fax: 514-355-8502 -
TransUnion Canada
For residents of all provinces and territories except Quebec:
Consumer Relations
Box 338, LCD 1
Hamilton, ON L8L 7W2
Toll-free: 1-800-663-9980
Fax: 905-527-0401
TransUnion Canada
For residents of Quebec:
Consumer Relations
1 Place Laval, Suite 370
Laval, PQ H7N 1A1
Toll-free: 1-877-713-3393 -
TransUnion Canada (Echo Group)
For residents of Quebec:
Consumer Relations
1 Place Laval, Suite 370
Laval, QC, H7N 1A1
Toll-free: 1-877-713-3393 -
Understanding Your Credit Report and Score
Classification of this FAQ:
| Category | Sub-category |
|---|---|
| Debt/Credit | Credit rating/Credit bureaus |
Related Question(s):
- How can I get an error corrected on my credit file?
- How can I improve my credit rating?
- Can something be charged to my credit card after I have cancelled it?
- Why does a financial institution always ask for so much personal information before it makes a decision about granting a loan or a mortgage, or issuing a credit card, or increasing the limit on a card?
- Can a financial institution refuse to give me a loan?
- Is there any limit on how often you can get a free copy of your credit report?
- Can my credit history from another country be recognized in Canada?
- How do I cancel a credit card account?
- I have a complaint about a credit reporting agency. Who can help me?
Footer
