Your Equifax Canada credit report, provided by Borrowell, contains several key types of information about your financial history:
- Personal Information:
- Name, address, date of birth
- Current and previous employers
- Credit Accounts (Tradelines):
- Types of accounts (credit cards, mortgages, loans)
- Account opening dates
- Credit limits or loan amounts
- Account balances
- Payment history
- Inquiries:
- Hard inquiries from when you apply for credit
- Public Records:
- Bankruptcies
- Court judgments
- Tax liens
- Collections:
- Accounts that have been sent to collections agencies
- Consumer Statements:
- Optional personal statements you can add to explain items on your report
It's important to note that your credit report does not include:
- Your income
- Purchases paid in full with cash or cheques
- Information about business accounts (unless you're personally liable)
- Medical history, ethnicity, or criminal records
Regularly checking your credit report allows you to ensure its accuracy and detect any potential fraudulent activity.
To view all Soft inquiries (e.g., your own credit checks) which don't affect your score, you will need to reach out to Equifax directly.