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| 1 | Credit data provided by TransUnion. Canadian residents are entitled to request a disclosure at no charge from credit bureaus. Only the member whose name appears on Privacy Protection Plus record can request a credit profile, credit score or credit monitoring. |
| 2 | Members are covered under an insurance policy issued to MemberWorks Canada Corporation and underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of coverage. The complete details of coverage and exclusions are set in the actual policy of insurance issued to MemberWorks Canada Corporation. Coverage may not extend to all jurisdictions. Debit Card Fraud Protection: Maximum of $500 per debit card per membership year. Debit card fraud protection coverage subject to a $1,000 annual aggregate limit. |
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Your Credit Report Free credit report and free credit score for Canadian residents online today! Get your free canada credit report plus a free canada credit score and start monitoring your credit today. It’s All in the Details So what exactly does a credit report bureau record? Below you’ll see the type of information found on your credit report that affect your credit score. This information is available to anyone that purchases your canadian credit report. Credit History This primary section of your canada credit report lists all your accounts (sometimes even inactive/closed ones) and includes: credit limits, available credit, loan amounts, loan balance, payment history, and terms. Note that accounts in your name, as well as ones where you are an authorized user appear. Inquiries This section lists anyone who has acquired your credit report through a transaction. Note that personal inquires do not appear here. Personal Information This section lists information gathered from filling out credit applications and includes: name, Social Security Number, current address, past addresses, birthday and employment history. Public Information This section lists financial information taken from public records and may include bankruptcies, liens, and child support payments if overdue. Do they record everything? The quick answer to this is no. Understanding what they don’t record can be important. For example, it may come as a relief to know that after ten years, bankruptcies are removed from your credit report and will no longer affect your canadian credit score. Inactive/closed accounts can take up to eleven years to be removed, while resolved delinquent accounts or collection items are removed after seven years. The following are some other things that you won’t see on your credit report:
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