Your credit report contains important information about your credit history and it can be helpful to see it all in the same place. Your credit report contains the following information:
Personal Information - Whenever you apply for credit, this information is updated. If it’s been a while since you’ve applied for credit, this may not be up to date.
Credit Inquiries - You’ll be able to see any inquiries about your credit, such as when a potential lender is reviewing your credit. It’s important to make sure these inquiries are all done with your permission.
Trades and Accounts - You can view any open or closed accounts that appear on your credit report, such as credit cards, instalment loans, mortgages and mobile phone accounts.
Collections - Your report will also show any accounts that have been sent to collections, whether the balance(s) have been paid or unpaid. Be careful – when an account gets sent to collections it can have a big impact on your credit score.
Legal Items - Any public records you may have will also show on your credit report. An example of this is a court judgment.
Bankruptcy and consumer proposals - If you’ve ever filed for bankruptcy or consumer proposal, it will appear on your credit report.